In 2026, FHA loan limits for Los-Banos county in Merced, CA are specified at $356,362 for a single-family home. For properties with two units, the limit is $456,275, increasing to $551,500 for three units, and capping at $685,400 for four units. Knowing these limits is essential for prospective homebuyers leveraging FHA loans for their financing requirements.
Conventional loans have a maximum limit of $548,250 for a single-family residence. For homes with two units, the limit escalates to $702,000, expands to $848,500 for three units, and reaches $1,054,500 for four units. These figures are crucial for borrowers aiming to align their purchasing capacity with conventional loan options.
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With the Lendersa® calculator, compare FHA rates and terms alongside other loan programs, such as Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans. This provides a comprehensive review of your financing possibilities.
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The Loan Limits Comparison Table for 2026 in Los-Banos county of Merced, CA, offers a thorough comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification requirements, such as income, reserves, and credit, ensuring a robust 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 | $341,900 | $341,900 | $341,900 | $341,900 |
| 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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