For 2026, the FHA loan limits in Golden-Hills county, Kern, CA are as follows: $356,362 is set for a single-family home. For properties with 2-units, the limit is $456,275. When it comes to 3-unit homes, the limit rises to $551,500, while 4-unit homes are capped at $685,400.
Regarding conventional loans, the maximum amount available for a single-family home is $548,250. The ceiling for 2-units is $702,000, for 3-units it is $848,500, and for 4-units, it is set at $1,054,500.
Use our FHA calculator to access today's leading FHA rates. This tool will help you ascertain the necessary down payment, income, credit, reserves, and documentation needed to qualify.
The Lendersa® calculator is your gateway to comparing FHA rates and terms with a variety of other loan programs. Dive into comparisons among Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in relation to FHA.
Lendersa® aggregates detailed loan program data from thousands of lenders, equipping you with quick comparative analysis against your unique financial profile and needs.
Our 2026 Loan Limits Comparison Table in Golden-Hills county of Kern, CA provides a comprehensive look at maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To delve into qualification specifics such as income, reserves, and credit, employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a thorough evaluation.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $291,100 | $291,100 | $291,100 | $291,100 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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