For 2025, the FHA loan limits in Stallion-Springs within Kern, CA, are as follows: $356,362 for a single-family home, $456,275 for properties with 2 units, $551,500 for 3 units, and $685,400 for 4-unit properties.
The maximum loan amount for conventional loans on a single-family residence is $548,250. For 2-unit homes, it is $702,000; for 3 units, $848,500; and for 4-unit buildings, $1,054,500.
Use our FHA calculator to discover today’s best FHA rates and determine the necessary downpayment, income, credit, reserves, and documentation needed for qualification.
The Lendersa® calculator lets you compare FHA rates and terms against those of other loan programs. Consider FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
By amassing data from thousands of lenders, Lendersa® compares it to your unique financial profile and requirements in seconds.
For 2025, the Loan Limits Comparison Table for Kern, CA provides insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. Compare qualifications like income, reserves, and credit using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $291,100 | $291,100 | $291,100 | $291,100 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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