For 2026, in Patterson, located in the county of Stanislaus, CA, the FHA loan limits are $517,500 for a single-family home, $662,500 for two units, $800,800 for three units, and $995,200 for four-unit properties.
The cap for conventional loans on a single-family residence is $726,200. For two-unit homes, the maximum is $929,850, for three-unit properties, it is $1,123,900, and for four-unit homes, it rises to $1,396,800.
Utilize our FHA calculator to find out today’s best FHA rates and determine necessary down payments, income, credit requirements, reserves, and documentation needed for qualification.
The Lendersa® calculator allows for a comprehensive comparison between FHA rates and other loan programs. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® compiles extensive data from thousands of lenders, quickly matching it against your unique financial profile and needs.
Review the Loan Limits Comparison Table for 2026 in Patterson county, Stanislaus, CA, to compare the largest loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money opportunities. For a close comparison of qualification criteria, including 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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