In 2026, the FHA loan limit for Wasco in Kern, CA, stands at $472,030 for a single-family residence. For properties with two units, the limit reaches $604,400; for three units, it is $730,525; and for properties with four units, it extends to $907,900.
Conventional loans have a cap of $726,200 for single-family houses. For two-unit dwellings, the maximum is $929,850, while three-unit homes are limited to $1,123,900, and four-unit properties can go up to $1,396,800.
Utilize our FHA calculator to discover today's finest FHA rates, which can help you determine the downpayment, income, credit, reserves, and documents necessary for qualification.
With the Lendersa® calculator, you are enabled to compare FHA rates and terms alongside all other loan programs. Discover opportunities in Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans, assessing them against FHA.
Lendersa® swiftly acquires data from a multitude of lenders, ensuring an immediate fit with your financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Wasco, Kern, CA, allows for a comprehensive comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limitations. For a detailed examination of qualification requirements like income, reserves, and credit, utilize 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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