For 2026, the FHA loan limits in McFarland county of Kern, CA are defined as $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for homes with three units, and $907,900 for residences with four units.
The maximum loan limits for conventional loans on a single-family dwelling are set at $726,200, with $929,850 for two-unit homes, $1,123,900 for structures containing three units, and $1,396,800 for four-unit buildings.
Use our FHA calculator to access today’s FHA optimal rates and ascertain the downpayment, income, credit, reserves, and documentation needed for qualification.
The Lendersa® calculator enables comparisons of FHA rates and terms alongside those from all other loan programs. Explore Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans as alternatives or complements to FHA.
Lendersa® compiles loan program data from a vast array of lenders, furnishing instant comparisons tailored to your specific financial profile and requirements.
The Loan Limits Comparison Table for 2026 in McFarland county of Kern, CA allows you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For evaluating qualification criteria like income, reserves, and credit, employ 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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