In 2026, the FHA loan limit for Hilmar-Irwin in Merced county, CA, is set at $472,030 for a single-family home. For properties with two units, the limit is $604,400; for three-unit homes, it is $730,525; and for four-unit properties, it is $907,900.
The highest loan amounts for conventional loans on a single-family residence are: $726,200 for single units, $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to learn about today's best FHA rates and determine the downpayment, income, credit, reserves, and documentation needed for qualification.
With the Lendersa® calculator, compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Explore a broad spectrum of lending options alongside FHA.
Lendersa® collates data from thousands of lenders to provide rapid comparisons, assessing your unique financial profile and needs swiftly.
Refer to the Loan Limits Comparison Table for 2026 in Hilmar-Irwin county, Merced, CA, to contrast maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Examine detailed qualification criteria such as income, reserves, and credit using 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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