In 2026, the FHA loan limit for Kern within CA is set as follows in Mojave: $472,030 for a single-family home, $604,400 for 2-units, $730,525 for 3-units, and $907,900 for 4-units.
For a conventional loan, the maximum on a single-family residence is $726,200. It is $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Make use of our FHA calculator to view current top FHA rates and work out the downpayment, income, credit, reserves, and documents required for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with other loan types. Consider Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans together with FHA options.
By collecting data from thousands of lenders, Lendersa® enables quick comparisons tailored to your financial picture.
For 2026, the Loan Limits Comparison Table in Kern, CA offers insight into maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To compare qualifications such as income, reserves, and credit, use the 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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