Explore the differences! FHA VS Conventional loan programs in Concord, Contra Costa County, California

For 2026, the established limit for a conventional loan in Concord, within the county of Contra Costa, CA, is $1,089,300. In contrast, for a single-family home, the FHA loan cap is $1,089,300.

With Lendersa®'s Conventional loan calculator, you can evaluate today's most competitive rates between Conventional, FHA, and USDA loans. Discover what income, credit, reserves, and documents you need to qualify. Our advanced mortgage calculator allows you to view Conventional, USDA, FHA, and VA loans side by side. This comparison aids you in selecting the optimal program for your financial situation in CA.

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2026 Loan Limits and Downpayment Requirements in Concord, County of Contra Costa, CA

Type of Loan Loan Maximum Minimum Downpayment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This table is applicable to the following zip codes: 94518, 94519, 94521, 94520, 94522, 94524, 94527

Available Conventional and FHA Loan Options in Concord, CA

The purpose of Lendersa® is to facilitate the best possible loan acquisition quickly and effortlessly, whether it be a Conventional, USDA, or FHA loan. Choose from three start options to find lenders and loan programs that match your needs.

Lendersa USDA loan request and matching results


  • Bay Area Funding Group
  • 313 Sycamore Valley Rd, Danville, CA, 94526
  • 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.

  • Private Mortgage Advisors - Burlingame
  • 390 Diablo Road, Suite 100, Danville, CA, 94526
  • Private Mortgage Advisors has grown quickly to be a top mortgage lender in the Greater San Francisco Bay area. Our mission is to continue to grow our success into one of the largest purchase money mortgage lenders in Northern California, by offering a large lender platform while still providing the customized

  • EQUIDY, Inc.
  • 600 SAN RAMON VALLEY BLVD STE 101, Danville, CA, 94526
  • "At Equidy borrowers are approved instantly and loans are funded by individual investors that are seeking secured investments with high returns (7-14%).

    Any investor can browse dozens of available listings that are qualified by Equidy and appraised to have a minimum of 30% equity as security."

  • Stefan Financial
  • 371 Village Square, Orinda, CA, 94563
  • Stefan Financial is an established commercial real estate finance firm. We have over 20 years’ experience in placing debt for our clients. And while we have developed strong relationships with various capital sources, we have not become complacent about looking for new participants. On the contrary, commercial real estate finance.

  • Loan Republic Financial, Inc.
  • 371 Village Square, Orinda, CA, 94563
  • "Loan Republic Financial is an internet-direct provider of low-rate loan products to help families deliver on the American dream.
    Founded in 2003, Loan Republic Financial uses the internet as its 'Universal Branch' to distribute low-rate loan solutions direct to the market using our proprietary automated loan platform."

  • First Capital Trust Deeds
  • 128 Camino Pablo, Orinda, CA, 94563
  • First Capital Trust Deeds is an excellent option for you if you want results with a hard money loan in California,We have 30+ years of combined experience in all types of lending and we’re experts who can provide lending options for self-employed or non-traditional financing for luxury real estate and private commercial properties.

  • JBM Mortgage Inc
  • 4115 Blackhawk Plaza Circle, Suite 100, Danville, CA, 94506
  • As an independent mortgage consultant, Julie McKinney have no ties to in-house products giving you the advantage of access to more options from a broad range of lenders, and objective advice on choosing the best loan to fit your specific financial needs and goals. Julie will be by your side through every step of the process.

  • Premier Mortgage Direct Corp.
  • 430 Kingston Drive, Danville, CA, 94506
  • Premier Mortgage Direct offers the experience and resources of a big box retailer, combined with the expertise and personal touch of a small business and our first step is actually getting to know you. We'll get to know your hopes and dreams, how much you want to spend, and where you want to live. Then we’ll work together to find the mortgage.

  • Mortgij, Inc.
  • 632 Birchwood Court, Danville, CA, 94506
  • We've interviewed hundreds of people that have gone through multiple mortgages and we're addressing issues in regards to filling out forms in an easier way, simplifying the language used, adding further transparency in describing loan estimates and even tackling equal opportunity lending in ways than nobody else has done it before.

  • Golden State Financial
  • 506 Conejo Court, Danville, CA, 94506
  • Golden State Financial specializes in commercial real estate financing, bridge loans, and hard money solutions. We connect borrowers with private lenders, debt funds, and institutional capital for fast, asset-based financing nationwide. Ideal for land, construction, value-add, and time-sensitive transactions requiring speed, flexibility, and reliable execution.

  • Compass Mortgage Advisors
  • 3840 Blackhawk Road, Suite 105, Danville, CA, 94506
  • Compass Mortgage Advisors is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of California. Whether you are first time home buyer, purchasing your dream home, Refinancing an outstanding loan, or consolidating debt.

  • Lone Tree Funding & Mortgage
  • 3731 Sunset Lane, Suite 108, Antioch, CA, 94509
  • We are a local mortgage brokerage firm with significant mortgage and financial experience comprised of both CPAs and Mortgage Professionals who have been in the mortgage business over 20 years.

    Catharine Dombrowski is the Mortgage Broker, who is also a CPA (Certified Public Accountant). Catharine founded Lone Tree Funding & Mortgage in 2002