FHA VS Conventional loan programs in Carmichael, Sacramento County, California

In 2025, Convetional loan limit in Carmichael, county of Sacramento, CA is $763,600 while FHA limit is $763,600 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 Carmichael, county of Sacramento, CA

Loan Type Loan Limit Down payment
Conventional Conforming $763,600 3%
USDA $540,000 0%
FHA $763,600 3.5%

The comparison table applies to zip codes: 95841, 95628, 95608, 95609

Conventional and FHA loan options in Carmichael, 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


  • Secured Horizon Financial Group Inc
  • 1801 Northeast 123rd Street, Suite 314, North Miami, FL, 33180
  • We proudly provide a wide range of portfolio and conventional residential & commercial mortgage programs for the special type of borrower that has special requirement. Or the special type of a property that does not fit into a normal bank mortgage requirement. We are an Award Portfolio Lender.
  • Lend Me Mortgage LLC
  • 20200 W Dixie Hwy, Suite 1105A, Aventura, FL, 33180
  • Lend Me Mortgage, LLC is one of South Florida’s leading entities. We offer high-quality mortgage services to residential and commercial customers. Our primary goal is to provide our customers with exceptional service while keeping them informed and educated throughout the process. We have over 20 years of mortgage knowledge and the resources needed
  • Shoreline Mortgage Inc
  • 20201 E Country Club Drive, Suite 1202, Aventura, FL, 33180
  • Shoreline Mortgage was founded in 1989 as an Internet Direct Lender, committed to using technology to provide a lower cost, more convenient mortgage to our customers. Our system eliminates commissioned loan officer, the highest cost component of the mortgage process. We further reduce costs by utilizing automated underwriting systems.
  • Loansmarter.com
  • 20200 W Dixie Hwy, Suite 1208, Miami, FL, 33180
  • At LoanSmarter.com we’re passionate about two things… Technology and Your Loan needs! We believe in empowering you with tools and modern technology to provide clear options about your home loan. We not only provide you with more options but a modern way of shopping and servicing your loan needs online.
  • Harmoney Capital
  • 20900 NE 30th Ave Suite 200-09, Miami, FL, 33180
  • Harmoney Capital LLC. was founded in Miami, Florida with the intention of helping borrowers finance their real estate needs. As a 100% self funded, family-owned and operated lending company, Harmoney Capital is able to practice innovative alternatives to traditional real estate financing. With no credit approval or income verification required.
  • New Century Financial Mortgage
  • 19901 E Country Club Dr APT 503, Aventura, FL, 33180
  • New Century Financial Mortgage Founded in 2020 with a mission to provide new age home financing solutions for people craving a thoughtful, personalized approach, New Century Financial Mortgage first entered the scene in Aventura, Florida. Since its inception, it has since grown to become one of Florida’s premier mortgage brokerages.
  • Nations Trust Mortgage
  • 20200 West Dixie Highway, 1104, Miami, FL, 33180
  • Nations Trust Mortgage is a mission-driven organization with a clearly defined set of values. We encourage our employees to have a strong sense of purpose, a high level of self-esteem and the capacity to think clearly and logically to provide the best possible rates on the right product, at very instant to our borrowers.
  • Top Class Mortgage, Inc
  • 1125 NE 125 Street suite 300-8, Miami, FL, 33161
  • Top Class Mortgage Inc is a professional mortgage lending and brokering firm. We offer a wide range of loan options and mortgage services to homebuyers, investors and builders. We are license in Florida and Georgia, and we speak English and Creole. Your wealth fare and satisfaction are our priority.
  • Rate Leaf, Inc.
  • 999 NE 125th St, Miami, FL, 33161
  • Rate Leaf helps you buy homes the right way: simply and directly. We believe that the home-buying process should be free of hidden fees, roadblocks, and predatory rates. What we offer instead is a way for you to reclaim your community through the most important purchase of your life.
  • Amerant Bank
  • 220 Alhambra Circle, Coral Gables, FL, 33134
  • Amerant Bank, N.A., one of the largest community banks headquartered in Florida, is a wholly-owned subsidiary of Amerant Bancorp Inc. (NASDAQ: AMTB and AMTBB). For over 40 years, the Bank has developed strong community relationships, always adapting to our customers'​ lives and specific needs, in a dynamic and positive way.
  • City National Bank of Florida
  • 2855 S Le Jeune Road, Coral Gables, FL, 33134
  • City National Bank of Florida (CNBFL) is the financial institution to which Floridians have turned for 75 years. With more than $20 billion in assets, CNBFL is one of the largest financial institutions based in the state. City National Bank of Florida is a subsidiary of Chilean bank, Banco de Credito e Inversiones (Bci).
  • Home Financing Center
  • 400 University Drive, 3rd Floor, Coral Gables, FL, 33134
  • Founded in 1984, Home Financing Center is the largest independently owned and operated mortgage lender in South Florida. Our company has focused on providing exceptional service to customers – through the ups and downs of the nation’s real estate cycle – and we continue to grow our share of the market.