In 2026, the FHA loan limits in Modesto, part of Stanislaus, CA, are structured as follows: $517,500 for a single-family home, $662,500 for 2-unit properties, $800,800 for 3-unit properties, and $995,200 for those with 4-unit setups.
For conventional loans, the maximum borrowable amounts are set at $726,200 for single-family homes. For 2-unit dwellings, the limit goes up to $929,850, while 3-unit accommodations allow for $1,123,900, and for 4-units, the ceiling is $1,396,800.
Access our FHA calculator to explore current top FHA rates and determine key qualification needs, including downpayment, income levels, credit assessments, reserves, and necessary documentation.
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The Lendersa® calculator provides a means to compare FHA rates and terms alongside those of other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Use it for a comprehensive analysis.
Lendersa® collects detailed loan program data from a vast number of lenders and aligns it against your unique financial circumstances at high speed.
The Loan Limits Comparison Table for 2026 in Modesto, housed within Stanislaus, CA, compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To scrutinize qualification requirements such as income, reserve needs, and credit standings, take advantage of Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $517,500 | $662,500 | $800,800 | $995,200 |
| 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 | $412,000 | $412,000 | $412,000 | $412,000 |
| 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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