Explore the differences! FHA VS Conventional loan programs in Bay-Point, Contra Costa County, California

In 2026, the conventional loan limit in Bay-Point, Contra Costa County, CA, stands at $970,800, whereas the FHA limit is $970,800 for a single-family home.

Take advantage of the Lendersa® Conventional loan calculator to evaluate today's best rates among Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you see the Conforming Conventional loans, USDA, FHA, and VA side by side, assisting in deciding which program in CA suits your financial situation best.

Compare offers from a set of 100 lenders

2026 Loan Limits and Downpayment Requirements in Bay-Point, Contra Costa County, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This comparison table is applicable to these zip codes: 94565

Conventional and FHA Loan Options in Bay-Point, CA

The mission of Lendersa® is to secure for you the optimal Conventional, USDA, or FHA loan quickly and without hassle. You can select one of three starting points that result in matching lenders with loan programs.

Lendersa USDA loan request and matching results


  • Velocity Home Loans
  • 321 North County Blvd, Suite B, American Fork, UT, 84003
  • Each of the individuals on our team has over 20 years’ experience in the mortgage industry. The Velocity Home Loans team is proud to lead the marketplace with our commitment to the highest standards of excellence, going above and beyond to fulfill the promises we make to our clients and partners

  • Simplify Home Loans, LLC
  • 1261 South 820 East, Suite 200, American Fork, UT, 84003
  • Simplify Home Loans LLC is made up of a team of professionals who are dedicated to one vision: making the home loan process easy and convenient for everyone who is taking such an important step in their lives. Loans and refinancing can be complicated, and we are here to take the stress out of those processes for you.

  • TOTAL FINANCIAL HEALTH
  • 12 W 100 N, Suite 202-D, American Fork, UT, 84003
  • Total Financial Health Having over 16 years of experience with all kinds of mortgages allows you to have an advantage over other mortgage lenders. We've seen and done it all in the mortgage world. We are a WHOLESALE MORTGAGE BROKER. To look us up, you can find our company Total Financial Health, LLC on the National Mortgage Licensing System.

  • Sterling Capital Inc
  • 376 E 60 S, Suite B, American Fork, UT, 84003
  • Sterling Capital Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.

  • Utah Heritage Credit Union
  • 84 West Main Street, Moroni, UT, 84646
  • Utah Heritage Credit Union has a 50 year history of serving the hard working men and women of Sanpete and Sevier Counties. The credit union was started by and continues to be directed by these men and women.Moroni Feed Credit Union was organized on December 10, 1969 by AD Shepherd. Forty Five people were in attendance.

  • Mountain America Credit Union
  • PO Box 2331, Sandy, UT, 84091
  • Mountain America Credit Union is a member-owned, full-service financial institution. Federally insured by NCUA. Equal Housing LenderCredit Union assists members on the right path to help them identify and more than 990, 000 members and $13 billion in assets, Mountain America Credit Union assists members on the right path to help them identify.

  • EconMortgage
  • 1747 Heritage Lane, Suite B202, Syracuse, UT, 84075
  • Econ Mortgage prides itself on offering low rates, and costs, right out the gate! Compare us with your “guy/gal” and see why even loan officers do their financing through Econ Mortgage! We are a well-established company serving in Salt Lake City. As your premier Utah mortgage broker, we focus on providing you with the lowest rates.

  • Advantage Mortgage Home Loans
  • 2334 S. 600 W, Syracuse, UT, 84075
  • As experienced loan officers we have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is our ultimate goal, and we are committed to providing our customers with mortgage services that exceed their expectations.

  • Alta Mortgage Financial Inc.
  • 6925 S Union Park Center, Midvale, UT, 84047
  • The Alta Mortgage Financial, Inc. Team is your premier mortgage team located in Cottonwood Heights, Utah. Alta Mortgage Financial, Inc. offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Cottonwood Heights area. Whether you are first time home buyer

  • Mortgage Rate Utah
  • 6900 900 E, Suite 150, Midvale, UT, 84047
  • We are mortgage experts with decades of experience and we work for YOU! We don’t work for lenders or banks or mortgage companies. We work with you to find the best loan and then find the right lender for your needs. Once we find the perfect loan, we represent you throughout the process. Put our experience to work so you find the loan

  • Direct Mortgage, Corp
  • 6955 S. Union Park Center, Suite 540, Midvale, UT, 84047
  • Direct Mortgage, Corp. is a Mortgage Banking company that delivers loan programs and underwriting services at competitive rates to Community Banks, Credit Unions, Mortgage Bankers, and to Mortgage Brokers nationwide.DMC's competitive niche is being small and attentive. It also provides blazing turn times, utilizing.