In 2025, the FHA loan limits in Shafter county of Kern, CA are $472,030 for a single-family home, $604,400 for two units, $730,525 for three-unit residences, and $907,900 for four units.
For conventional loans on single-family homes, the maximum amounts are $726,200, increasing to $929,850 for two-unit homes, $1,123,900 for three-unit residences, and $1,396,800 for four-unit properties.
Use our FHA calculator to see today’s leading FHA rates, and find out the downpayment, income, credit, reserves, and documents needed to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Explore options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles extensive data from thousands of lenders, aligning it rapidly with your financial profile and needs.
Utilize the Loan Limits Comparison Table for 2025 in Shafter, Kern county, CA, to analyze the maximum loan figures for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification criteria like income, reserves, and credit, use 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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