In 2026, the FHA loan cap for Franklin located in Merced county, CA has been set. For a single-family home, the limit is $472,030; for duplexes, it's $604,400. If you're looking at a triplex, the limit is $730,525, and for buildings with four units, it is $907,900.
As for conventional loans, the maximum loan size for a single-family dwelling is set at $726,200. For two units, it increases to $929,850, three-unit properties have a ceiling of $1,123,900, and for quadplexes, it's $1,396,800.
Try our FHA calculator today to view the most advantageous FHA rates and calculate the requirements for downpayment, income, credit, reserves, and necessary documentation.
The Lendersa® calculator facilitates a comparison between FHA rates and terms and those of other loan products. Immerse yourself in an array of choices including FHA versus Conventional, Jumbo, VA, USDA, Non-QM, and hard money loan packages.
Lendersa® effectively collects data from a wide range of lenders, allowing rapid comparisons tailored to your unique financial requirements and profile.
For the year 2026 in Franklin, within Merced County, CA, you can refer to the Loan Limits Comparison Table. This resource enables comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan totals. To evaluate qualification criteria like income, reserves, and credit quality, take advantage of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $341,900 | $341,900 | $341,900 | $341,900 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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