For the year 2026, the FHA loan limits in Livingston county of Merced, CA are $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for 3-unit residences, and $907,900 for four-unit buildings.
Regarding conventional loans, the maximum allowed for a single-family residence is $726,200, $929,850 for two-unit homes, $1,123,900 for three units, and $1,396,800 for structures with four units.
Use our FHA calculator to view today’s best FHA rates and assess the needed downpayment, income requirements, credit, reserves, and documents required for qualification.
The Lendersa® calculator enables you to compare FHA rates and terms with those from other programs. Explore and evaluate Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles loan data from thousands of lenders, and quickly aligns it with your unique financial profile and needs for comparison.
The Loan Limits Comparison Table for 2026 in Livingston county of Merced, CA helps to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To assess qualification needs like income, reserves, and credit, use 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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