FHA VS Conventional loan programs in Arcata, Humboldt County, California

In 2025, Convetional loan limit in Arcata, county of Humboldt, CA is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Arcata, county of Humboldt, CA

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $400,000 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 95521, 95518

Conventional and FHA loan options in Arcata, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • American Home Lending
  • 1600 NW Garden Valley Blvd, Suite 100, Roseburg, OR, 97471
  • American Home Lending, LLC is a full service mortgage company located in Roseburg, Oregon in the heart of scenic Douglas County. Our knowledgeable staff is committed to providing you the best customer service by offering you low, competitive rates with the highest quality services possible.
  • Cascade Community Credit Union
  • 1123 W Harvard Ave, Roseburg, OR, 97471
  • Cascade Community Credit Union we are committed to helping our members in Douglas County meet their financial goals. If a personal loan makes sense for you, our online application form makes it easy to start the loan process is proud to support its community and residents since 1948 through quality financial products and services.
  • Gregory M. Russell
  • 245 Carriage Lane, Roseburg, CA, 97471
  • We provide hard money financing throughout Idaho with our major lending centers of Boise, Caldwell, Meridian in the southwest, Twin Falls, Pocatello and Idaho Falls further east and Lewiston, Moscow and Coeur d' Alene in the north. We of course provide lending services to all the smaller cities and communities in the state.
  • Elemental Home Mortgage, LLC
  • 1612-2 NE Vine Street, Roseburg, OR, 97470
  • Elemental Home Mortgage was founded on the principal that every person should have an opportunity to know if they are ready for a mortgage. To have an opportunity to know what their options are. We feel strongly that each person should have the chance to have an informative, tailored conversation about their housing goals
  • Award Home Loans of Roseburg
  • 1043 NE Stephens St, Suite 101, Roseburg, OR, 97470
  • Award Home Loans of Roseburg we are committed to assisting our clients with the highest quality home loans. We listen to you fitting the mortgage to your personal financial goals. We are located in Roseburg and are available to serve anyone throughout the state of Oregon, but specializing in Douglas County and the I-5 corridor.
  • Task Mortgage & Investments Inc
  • 8465 old redwood Highway, Suite 410, Windsor, CA, 95492
  • Task Mortgage & Investments Inc We are an experienced team of mortgage and investment experts based in beautiful Sonoma County, California. For over 20 years we have provided a full array of products to match the right real estate opportunity with the right people. From the best of credit to the challenged credit.
  • WayLend
  • 1320 19th Hole Dr #205, Windsor, CA, 95492
  • We are a full service direct lender/mortgage broker with the ability to assist our clients obtain a home loan anywhere in the State of California. Our greatest assets are our loan officers, with over a century of collective experience, as well as a full in-house processing staff.
  • Valley Mortgage Company
  • 1445 Butte House Road, Suite I, Yuba City, CA, 95993
  • Virtual Mortgage Company is premier residential mortgage lender. We pride ourselves on offering some of the lowest rates and making the loan process fast, simple and straight forward for borrowers seeking an inexpensive mortgage in California. Whether you are a first time buyer, purchasing your dream property,
  • North Bay Credit Union
  • 397 Aviation Blvd, Suite L, Santa Rosa, CA, 95403
  • Established in 1948, North Bay Credit Union is the oldest credit union in Sonoma County & was originally called Sonoma County Grange Credit Union. It was founded by members of Sonoma County Granges who pooled their savings to help new farmers who had no access to bank credit so they could buy land & equipment to start their own farming operations.
  • Gary Lentz
  • 3700 Old Redwood Hwy, Suite 230, Santa Rosa, CA, 95403
  • As a lifelong finance professional and CPA, as well as a business leader and consultant, I bring vast experience to my home mortgage business. I take the title of mortgage advisor literally – I’m not here to sell you anything, just to advise you on your best course of action to make your home ownership, and lifestyle, dreams come true.
  • Parker Mortgage & Investment
  • 2777 Cleveland Ave., Santa Rosa, CA, 95403
  • Parker Mortgage is a boutique brokerage firm whose primary focus is representing charitable foundations, trust departments and pension plans for the acquisition of mortgage lending opportunities that meet their investment guidelines and are consistent with their constituent's values.
  • You First Mortgage
  • 114 Wikiup Drive, Santa Rosa, CA, 95403
  • You First Mortgage is a licensed mortgage broker based in Sonoma, Marin and San Diego Counties. When you partner with us, we put your interests above all other priorities. With versatile real estate industry experience in the local market, our advisors can provide reliable guidance when it comes to choosing home financing options.