For 2026, the FHA loan limit in Merced county, Merced, CA stands at $472,030 for a single-family home. For properties with two units, the limit is $604,400, for three it is $730,525, and for four units, it is set at $907,900.
Conventional loans offer a maximum of $726,200 for a single-family residence. For two-unit properties, the cap is $929,850; for three units it reaches $1,123,900, and for four units, the limit extends to $1,396,800.
Utilize our FHA calculator for the best rates available today and compute necessary figures like downpayment, income, credit standing, reserves, and documents required for qualification.
The Lendersa® calculator empowers you to compare FHA rates and terms with other loan options. Investigate Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options to find the most suitable product for you.
Accessing data from thousands of lenders, Lendersa® quickly syncs the information to your financial profile and needs, providing tailored insights in seconds.
Refer to the Loan Limits Comparison Table for 2026 in Merced county of Merced, CA. It provides comparisons across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. For analyzing qualification needs 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 | $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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