For 2026, the FHA loan limits set in Tehachapi county of Kern, CA are $472,030 for a single-family home, $604,400 for two units, $730,525 for properties with three units, and $907,900 for four-unit homes.
The maximum loan amounts for conventional loans on a single-family home stand at $726,200, $929,850 for homes with two units, $1,123,900 for three-unit residences, and $1,396,800 for four-unit structures.
Utilize our FHA calculator to discover today’s top FHA rates and evaluate the required downpayment, income, credit, reserves, and documentation needed for qualification.
The Lendersa® calculator allows for comparisons between FHA rates and terms and those of other loan programs. Consider assessing alternatives like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans along with FHA options.
Lendersa® gathers extensive loan program data from thousands of lenders, offering instant comparisons tailored to your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Tehachapi county of Kern, CA provides an overview of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification requirements 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 | $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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