In 2026, the FHA loan limits for Planada county within Merced, CA, are as follows: $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three-unit homes, and $907,900 for four-unit residences.
The maximum loan amounts for conventional loans are set at $726,200 for single-family houses, $929,850 for two-unit buildings, $1,123,900 for three-unit structures, and $1,396,800 for four-unit properties.
Utilize our FHA calculator to find today's best FHA rates and determine the necessary down payment, income, credit score, reserves, and documentation needed to qualify.
Using the Lendersa® calculator, you can compare the rates and terms of FHA loans with those of other loan programs. Consider options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in conjunction with FHA loans.
Lendersa® gathers data from thousands of lenders, rapidly aligning it against your financial profile to offer fast, personalized insights that meet your needs.
The Loan Limits Comparison Table for 2026 in Planada county, which is part of Merced, CA, provides information on maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly compare qualification criteria 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 | $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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