Question 1

What's the conforming loan limit in Huron for 2026?

Accepted Answer

$832,750 for single-family homes in Fresno County. Most Huron properties fall well below this threshold, making conforming loans the standard financing route for area buyers.

Question 2

Can farmworkers qualify for conforming loans in Huron?

Accepted Answer

Yes, if they have two years of steady employment with the same employer or in the same field. Seasonal income gets averaged, but gaps longer than one month between jobs create documentation challenges.

Question 3

How much down payment do I need for a conforming loan?

Accepted Answer

3% minimum for first-time buyers, 5% for repeat buyers on primary residences. Investment properties require 15-25% down depending on credit score and property type.

Question 4

Do conforming loans work for manufactured homes in Huron?

Accepted Answer

Only if the home is permanently attached to land you own. It must meet HUD standards and be classified as real property, not personal property, for conforming loan eligibility.

Question 5

What rates should I expect on Huron conforming loans?

Accepted Answer

Rates vary by borrower profile and market conditions. Strong credit above 760 with 20% down typically qualifies for the lowest advertised rates you see in national mortgage surveys.

Conforming Loans in Huron — Competitive Rates for Traditional Borrowers