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.
Utilize our FHA calculator to explore today’s top FHA rates and assess the needed downpayment, income, credit reserves, and documents to qualify for an FHA loan. This tool provides you with accurate insights into readiness for loan application.
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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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