FHA VS Conventional loan in Davis, Yolo County, California

In 2026, the limit for conventional loans in Davis, located in the county of Yolo, CA, has been set at $763,600. For single-family homes, the FHA limit reaches $763,600.

Utilize the Lendersa® Conventional loan calculator to explore and contrast current rates for Conventional, FHA, and USDA loans, determining the essential income, credit, reserves, and documents for qualification. Our advanced tool offers side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, assisting you in deciding the best program in CA suitable for your financial needs.

Review loan offers from a range of 100 lenders

2026 Loan Limits and Down Payment Requirements in Davis, Yolo County, CA

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

This table applies to zip codes: 95618

Conventional and FHA Loan Options in Davis, CA

The primary aim of Lendersa® is to provide you with the most advantageous Conventional, USDA, or FHA loan promptly and effortlessly. Begin with one of three options to find lenders and programs that suit your needs.

View Lendersa USDA Loan Request Results

This setup is crafted for you to seamlessly navigate towards the ideal financing options that match your specific goals in CA.



  • Metro Financial and Realty
  • 9521 Folsom Boulevard, Suite O, Sacramento, CA, 95827
  • We specialize in home loans. We have every loan product available to suit our client’s needs. We are competitively priced to ensure a great mortgage but service and knowledge to complement your experience.Metro Financial Services is not just here for your one transaction but we strive to earn your continuing relationship.

  • Client 1st Mortgage
  • 5777 Madison Avenue, Suite 605, Sacramento, CA, 95841
  • Client 1st Mortgage strives to provide all of the qualities that people look for in a mortgage company. We treat each customer as an individual. Not as a number.We operate under a strict code of ethics and values aimed at building long-term customer trust and loyalty. We use a “common sense” approach and will help you.

  • Patron Mortgage
  • 4829 Argyle Ln, Sacramento, CA, 95841
  • Patron Mortgage is a California Mortgage Company working with borrowers throughout California. I am a senior loan officer and real estate broker with over ten years experience. I can assist you with home purchase loans, refinancing, reverse mortgages, ITIN loans, land loans, construction loans, hard money loans,

  • GOLDEN RATE SERVICES LLC
  • 5023 El Camino Avenue, Carmichael, CA, 95608
  • At Golden City Home loans. We are a full-service mortgage company based in Carmichael, California. We specialize in First Time Home Buyers in Carmichael. We also serve the surrounding cities in Sacramento County, including zip code. We can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

  • Asher Evans
  • 4901 Marconi Ave, Carmichael, Carmichael, CA, 95608
  • Asher Evan Investments uses private investors to fund its First Trust Deed private mortgage loans. Private loans are made against standing Commercial, Multi-family and Residential investment properties. All loans are in 1st position, a priority position over other liens or encumbrances.

  • William (Will) Call, Insight Mortgage Solutions LLC
  • 9709 Mountain Vista Circle, Elk Grove, CA, 95757
  • Our Promise, Commitment & Expectation…From the first day we talk until the day we close escrow, & even after we close escrow, we are 100% committed to making sure you have a greater than expected mortgage experience. We will be working very hard from Day 1 to get your offer accepted ahead of others, meet or be early on the deadlines.

  • Five Diamond Realty
  • 6608 Pallazzo Way, Elk Grove, CA, 95757
  • Five Diamond Realty & Mortgage was founded in 2009 during the Great Recession in Elk Grove, CA. The Broker, President, and CEO, Arsalon Badri, graduated from U. C. Berkeley, With hundreds of closed transactions, Five Diamond Realty & Mortgage is highly qualified to get the job done and surpass all your expectations.

  • Cornerstone Real Estate & Home Loans, Inc.
  • 120 Peabody Road, Vacaville, CA, 95687
  • Cornerstone Real Estate & Home Loans, Inc. are Carmen & Joel, mother-son founders of Cornerstone REHL Inc. We’ve been working in the real estate and home loan industry almost our entire lives. We started working for different companies. but now we are partnered together, working side by side to unite the real estate and home loan process

  • Peoples Mortgage LLC
  • 9533 Misty River Way, Elk Grove, CA, 95624
  • The Peoples Mortgage Team is your premier mortgage lender located in Elk Grove, California. Peoples Mortgage Home Loans offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the State of California.

  • Land Home Financial
  • 9381 E Stockton Blvd, Suite 208, Elk Grove, CA, 95624
  • "Land Home Financial Services is a Mortgage Banker/Direct Lender. We provide professional consultation and free mortgage loan analysis with a guarantee to offer you our best rates and programs available.

    Land Home always conducts business in a highly ethical manner while focusing on doing what is best for the customer."