FHA VS Conventional loan programs in 2026 for Commerce, Los Angeles County, California

In the year 2026, the conventional loan ceiling in Commerce, county of Los Angeles, CA, is established at $1,089,300. At the same time, the FHA limit for a single-family residence is set at $1,089,300.

Utilize the Lendersa® Conventional Loan Calculator to compare the leading rates available for Conventional, FHA, and USDA loans. This tool allows you to assess the required income, credit score, reserves, and documents needed to qualify. With our advanced calculator, view Conforming Conventional loans, USDA, FHA, and VA options side-by-side to help you choose the most suitable program for your financial needs in CA.

Explore loan offers from over 100 lenders

2026 Loan Limits and Down Payment Requirements in Commerce, 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 zip codes: 90040

Explore Conventional and FHA Loan Options in Commerce, CA

The primary goal of Lendersa® is to help you secure the best available Conventional, USDA, or FHA loan quickly and without complications. Begin by choosing one of three starting paths that will connect you with matched lenders and suitable loan programs.

Results from Lendersa USDA loan request


  • Avondale Private Lending
  • 200 Crescent Ct, Suite 60, Dallas, TX, 75205
  • Avondale Private Lending is a group of private lenders that loans money to professional home builders, developers and remodelers. Our borrowers choose to work with us because we are much faster than banks, have lower down payment requirements, and we don’t have the fees or requirements that you see from many hard money lenders.

  • hifi Hard Money
  • 12750 Merit Dr, Suite 800, Dallas, TX, 75251
  • Since 2015, hifi has made a name for itself by teaming with investors throughout the DFW Metroplex. Thing is, it was a different name: Lone Star Hard Money. Now we’re called hifi Hard Money, and it’s more than a new moniker. It’s a whole new level of professional expertise, personal service.

  • NexBank, SSB
  • 2515 Mckinney Ave, Suite 1100, Dallas, TX, 75201
  • NexBank Capital, Inc. is a financial services company that serves its clients through three core businesses: Institutional Banking, Commercial Banking, and Mortgage Banking. NexBank provides customized financial and banking services primarily to institutional clients, financial institutions, and corporations nationwide.

  • Comerica Bank
  • 1717 Main Street, Dallas, TX, 75201
  • Comerica Incorporated (NYSE: CMA) is a financial services company headquartered in Dallas, Texas, strategically aligned by the Business Bank, the Retail Bank, and Wealth Management. The Business Bank provides companies of all sizes with an array of credit and non-credit financial products and services

  • Revere Capital
  • 2301 Cedar Springs Road, Suite 200, Dallas, TX, 75201
  • Revere Capital brings institutional execution to the middle market real estate space. The principals have over $3 billion of real estate transaction experience across private equity, real estate investment banking & workouts. This experience, coupled with discretionary balance sheet capital, allows us to lend on and acquire completed transactions.

  • GenWealth Capital Commercial
  • 325 North St. Paul Street, Suite 3100, Dallas, TX, 75201
  • At GenWealth Capital Commercial, we believe that building strong client relationships is incredibly important. We do this by educating our Clients during the review process and providing information on real estate trends and topics. Education and transparency are keys to making real estate funding an efficient process.

  • Waterloo Mortgage LLC
  • 1601 Elm Street, Floor 33, Dallas, TX, 75201
  • Waterloo Mortgage Everyday all across the great State of Texas we are working to help families realize the American dream. We provide specialized home-buying and refinancing services, and our approach is focused on addressing their needs and financial situations throughout the entire real estate financing process.

  • Resource One Credit Union
  • PO Box 660077, Dallas, TX, 75266
  • Since 1936, Resource One has been delighting members with over 60, 000 members worldwide today.

    Resource One was originally chartered on July 15, 1936, under the name of Sears Dallas Employees Federal Credit Union. Our mission was to fulfill the financial needs of the employees of the Catalog Order Plant of Sears, Roebuck,

  • AKIN MORTGAGE, LLC
  • PO Box 601356, Dallas, TX, 75360
  • Stephan has worked in the real estate industry for 30 years.First as a Realtor, then as a home builder & for the past 20 years as a mortgage banker.Prior to becoming a mortgage banker, he was the vice president of marketing & architecture for one of the nations top 10 home builders during which time he won national awards for his marketing efforts.

  • AsertaLoans Inc
  • 3232 McKinney Ave, Suite 500, Dallas, TX, 75204
  • AsertaLoans is a mortgage brokerage company, founded to make the homebuying process easier for homeowners with super low rates. With AsertaLoans, you fill out just one application with one Mortgage Loan Officer, then we check with several wholesale lenders to bring you the lowest rate. This means lower monthly payments for homeowners.

  • Lighthouse Lending LLC
  • 4131 North Central Expressway, Suite 900, Dallas, TX, 75204
  • Alfonso Barrera, Broker/Owner of Lighthouse Lending LLC is an Independent Mortgage Broker with access to many large Wholesale Lenders. With us, apply only once and we'll do all the legwork to shop around with many different lenders for the best terms for your new mortgage. We have access to hundreds of wholesale mortgage.

  • Ntrust Lending, Inc.
  • 7012 Gerrards Cross, Plano, TX, 75025
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.