FHA VS Conventional loan programs in Cottonwood, Shasta County, California

In the year 2025, the maximum amount allowable for a Conventional loan in Cottonwood, nestled within Shasta county, CA, is $726,200. Meanwhile, the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® Conventional loan calculator to explore today's best rates for Conventional, FHA, and USDA loans. This tool will help calculate the income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side, aiding your decision-making for the ideal program for your financial situation in CA.

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Loan Limits and Downpayment Requirements for 2025 in Cottonwood, Shasta County, CA

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $384,900 0%
FHA $472,030 3.5%

This table applies to the following zip codes: 96022

Conventional and FHA Loan Options in Cottonwood, CA

The mission of Lendersa® is to connect you swiftly and effortlessly with the best Conventional, USDA, or FHA loan. Start by selecting one of three approaches to connect with matching lenders and financing plans.

Lendersa USDA loan request and match results


  • Sierra Foothill Mortgage
  • 3257 Professional Dr, Suite A, Auburn, CA, 95602
  • Sierra Foothill Mortgage is a family owned and operated business, proudly serving the foothills for more than 25 years. Linda Andrews, owner-broker, has been in the real estate industry for just under 30 years. Chris Nagle, loan officer, has been in the real estate industry for just under a year. Together they are a team to make your loan
  • Silverado Credit Union
  • 1 Angwin Plaza, Angwin, CA, 94508
  • Silverado Credit Union has been open since 1953. The credit union has assets totaling $63.97 Million and provides banking services to more than 4,000 members. Silverado Credit Union offers FREE online tools and services to help you save time and money. We protect your personal and financial information with the highest level of security availa
  • Cal Green Lending Inc
  • 118 Howel Mountain Road, Angwin, CA, 94508
  • We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.
  • Mitchell Mortgage
  • 1737 Hoffman Street, Woodland, CA, 95776
  • Mitchell Mortgage has been serving the home loan needs of our clients in Napa, California for over 24 years. In addition to the beautiful Napa Valley, we are now also located in the lovely communities of Davis and Woodland, California to better serve the residents of Yolo County and the Sacramento region.
  • Cali Mortgage
  • 9067 Foothills Blvd, Suite 6, Roseville, CA, 95747
  • At Cali Mortgage we are here to serve your mortgage needs while also providing the very best service. I have also come up with a way to get your interest rate much lower than the market rate. As Direct Lender we offer the most aggressive rates in the market along with lightning fast approvals.
  • Infinity Home Loans, Inc
  • 800 Mitchell Court, Roseville, CA, 95747
  • Our mission, as a boutique mortgage broker, is to provide you with a concierge level of serivce and to serve you with honesty, integrity and decades of expertise. Our goal is to provide you a home loan while helping you get the lowest interest rates and closing costs possible and do it by making the process as easy as possible.
  • California Loan Associates, Inc.
  • 5800 Stanford Ranch Road, Suite 320, Rocklin, CA, 95765
  • California Loan Associates, Inc. is a local California mortgage brokerage firm specializing in offering real estate financing options to our client's at the most competitive interest rates available in the market. We offer customer service and on site loan processing that exceeds that of other "Too Big to Fail" type institutions.
  • Capital Valley Brokers
  • 864 Spotted Pony Lane, Rocklin, CA, 95765
  • Capital Valley Brokers 30 years experience in the Real Estate & Mortgage Industry, I can help guide you to a Home Loan customized to meet your needs. As a broker, I have access to the most competitive lenders, rates and loan programs. I believe in creating a lifelong relationship with my clients.
  • BluePrint Realty and Lending, INC
  • 5701 Lonetree Boulevard, Suite 322, Rocklin, CA, 95765
  • In today’s changing real estate market, it is more important now than ever to have a trusted mortgage consultant. We have access to a full range of mortgage sources and all of our loan officers are dedicated to finding the right loan program with the right rate, terms, and requirements to meet your short-term and long-term goals.
  • Solcosta Home Loans, LLC
  • 5701 Lonetree Boulevard, Suite 316, Rocklin, CA, 95765
  • At Solcosta Home Loans, we believe in speed, service, and transparency. Whether you are a first-time homebuyer or an experienced real estate investor, we want to provide you the education and loan options to help you meet your specific goals. We have a passion for putting our clients’ interests first, and we believe that doing the right thing
  • Direct Wholesale Mortgage
  • 5701 Lonetree Boulevard, Suite 313, Rocklin, CA, 95765
  • Direct Wholesale Mortgage full service real estate and mortgage office, and specialize in providing clients with finding their dream homes, listing clients homes for sale and providing clients with their Mortgage lending needs. As a broker we have relationships with over 10 different lenders which offer variety of loan programs.