In 2026, the FHA loan limits for West-Modesto county, Stanislaus, CA are outlined as follows: $396,750 for a single-family home, $507,900 for two units, $613,950 for three units, and $763,000 for four units.
The maximum amounts for conventional loans are $548,250 for a single-family residence, $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to find today's best FHA rates and determine the required downpayment, income, credit score, reserves, and documentation for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Investigate FHA alongside Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles data from thousands of lenders and quickly matches it to your financial profile and needs.
For 2026 in West-Modesto, Stanislaus, CA, check the Loan Limits Comparison Table to evaluate FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To assess qualification criteria like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $396,750 | $507,900 | $613,950 | $763,000 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $354,100 | $354,100 | $354,100 | $354,100 |
| 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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