For 2026, the FHA loan limits in Oakdale within the county of Stanislaus, CA, are $517,500 for single-family homes, $662,500 for two units, $800,800 for three-unit properties, and $995,200 for residences with four units.
The maximum allowable loan amount for conventional loans on a single-family residence is $726,200, with limits extending to $929,850 for two-unit homes, $1,123,900 for three units, and $1,396,800 for properties with four units.
Use our FHA calculator to access today's optimal FHA rates and determine what you'll need regarding down payments, income, credit levels, reserves, and documents for qualification.
The Lendersa® calculator enables a comparison of FHA rates and terms against a spectrum of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money options.
Lendersa® effectively collates data from thousands of lenders, facilitating rapid comparisons with your unique financial profile and needs.
Review the Loan Limits Comparison Table for 2026 in Oakdale county of Stanislaus, CA, to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To evaluate qualification criteria like income, reserves, and credit, utilize the 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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