FHA VS Conventional loan programs in 2025 for Cerritos, Los Angeles County, California

As of 2025, the conventional loan limit in Cerritos, within Los Angeles county, CA, is $1,089,300, whereas the FHA limit for a single-family home is $1,089,300.

Explore our Lendersa® Conventional loan calculator to compare today's top rates between Conventional, FHA, and USDA loans. Discover the requirements for income, credit, reserves, and necessary documents. This advanced mortgage calculator lets you view Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding your decision on the best program for your financial needs in CA.

Review loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Cerritos, Los Angeles County, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This comparison table applies to the following zip codes: 90703

Options for Conventional and FHA Loans in Cerritos, CA

At Lendersa®, our aim is to quickly and efficiently procure the best Conventional, USDA, or FHA loans with minimal hassle. Choose one of three starting methods to find the matching lenders and loan programs that suit your needs.

Results from Lendersa's USDA loan request match


  • Rogue Credit Union
  • 1370 Center Dr, Medford, OR, 97501
  • Beginning in 1956, a group of ten local teachers gathered together to form a credit union designed to serve their member-owners and their community. Today, Rogue Credit Union has grown to a financial cooperative with branches in Coos, Curry, Jackson, Josephine, Douglas and Klamath Counties. Today, we serve over 150, 000 members
  • DL Evans Bank
  • 375 N Overland Ave, Burley, ID, 83318
  • D.L. Evans Bank! We know there are many financial institutions you could bank with, so here is what makes us different: Our greatest asset is you. We owe our success to the relationships we have with our customers, not the size of their accounts or a sales quota. Our customers are our partners and friends, and their success is what drives us.
  • Peoples Bank of Commerce
  • 1311 E Barnett Road, Medford, OR, 97504
  • People's Bank was founded in 1998 with the belief that as a locally owned and managed community bank, we could do a better job delivering customized, high quality banking services and products to the Rogue Valley. Our experienced bankers know our community and its people and businesses.
  • Leif Investments INC DBA Medford Mortgages
  • 940 Town Centre Drive, Medford, OR, 97504
  • At Medford Mortgages we offer a variety of loan options to meet your specific needs. Our team is dedicated to providing you with total customer satisfaction and the very best results. We understand that financing your home is one of the most important decisions you will ever make.
  • Home and Life Lending
  • 2621 Whittle Avenue, Suite 7, Medford, OR, 97504
  • Brenda Kennedy opened Home & Life Lending to help better serve my clients with more flexibility to fit their individual needs. Brenda have 17 years of experience in the mortgage industry, providing quality loan services and a level of professionalism. Brenda strive to provide outstanding customer service, which has enhanced customer loyalty.
  • Bob Forrest | Mortgage Loans | Loans Medford | Private Money
  • 1951 Delta Waters Rd, Medford, OR, 97504
  • Bob Forrest Loans and Investments has helped people in Southern Oregon, and throughout the country. Did you know that most Oregonians go to mortgage brokers like Bob Forrest for their real estate loans? Oregonians are independent and savvy people. A bank or mortgage lender is just one lender. But we are brokers
  • Mountain Mortgage of Oregon
  • 33 Hawthorne St, Medford, OR, 97504
  • Mountain Mortgage of Oregon is located in the heart of the Rogue Valley in Medford, Oregon. Mountain Mortgage has actively been serving both Jackson and Josephine counties for the past fifteen years. I am excited about the company's growth and new internet opportunities it is bringing to our clients.
  • Rio Grande Federal Credit Union
  • 760 Rood Avenue, Grand Junction, CO, 81501
  • Rio Grande Federal Credit Union is a full-service financial institution, proudly serving the daily financial needs of over 4600 members. As a member-owned, not-for-profit company, our earnings go back to members in the form of more favorable rates on loans and credit cards as well as lower fees for banking products and services.
  • Coloramo Federal Credit Union
  • 516 28 Road, Grand Junction, CO, 81501
  • Coloramo Federal Credit Union was established on June 8, 1953. Coloramo originally consisted of only eight members who were Colorado Raw Materials Office employees. Today, Coloramo serves 11,088 members and has assets of $150 million. Coloramo Federal Credit Union's mission is to build lifelong member relationships to help our members.
  • W.C. Mortgage Inc.
  • 803 White Avenue, Grand Junction, CO, 81501
  • At W.C. Mortgage Inc., we have a saying here, "Mobiles to Mansions," whether you are buying a manufactured house in a mobile home park or a mansion on acreage we have a competitive program for you. We have been in business for over a decade as a small personable brokerage that has grown throughout the years by being true to our customers.
  • Grand Valley Home Loans
  • 1822 L Road, Fruita, CO, 81521
  • Mickie Fisher Rogers is the owner of Grand Valley Home Loans a recognized leader in the mortgage industry. Being a Fruita, Colorado Native, she and her family have strong roots in the Western Slope. Known for consistently delivering the best home buying experience, Mickie is passionate, genuine & always has her borrower’s best interest at heart.
  • Grand Junction Federal Credit Union
  • 633 24 Road, Grand Junction, CO, 81505
  • GJFCU provides the following, competitive services to the community: low-balance savings accounts, free checking accounts, share certificates, IRA certificates, direct deposit, wire transfers, payroll deduction, debit cards, Visa credit card – no annual fee, pre-paid debit & travel cards, gift cards, money orders, low interest loans.