For 2026, in Lamont county of Kern, CA, FHA loan limits are set at $472,030 for a single-family home, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
Regarding conventional loans, the maximum amount for a single-family residence is $726,200, $929,850 for two-unit homes, $1,123,900 for three-unit properties, and $1,396,800 for buildings with four units.
Use our FHA calculator to explore today’s best FHA rates and determine the necessary downpayment, income, credit, reserves, and documentation to qualify.
Lendersa® calculator lets you compare the rates and terms of FHA loans with those of other loan programs. Explore and contrast options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® aggregates loan program data from thousands of lenders, providing quick comparisons matched to your financial profile and requirements.
Within the Loan Limits Comparison Table for 2026 in Lamont county of Kern, CA, assess maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification requirements, including income, reserves, and credit, use 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 | $345,100 | $345,100 | $345,100 | $345,100 |
| 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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