FHA VS Conventional loan programs in 2026 for Diamond-Springs, El Dorado County, California

This year, 2026, the Conventional loan limit for Diamond-Springs, situated in El Dorado county of CA, is $675,050, while the FHA loan limit for a single-family home is $675,050.

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The Lendersa® Conventional loan calculator allows you to compare today's best rates for Conventional, FHA, and USDA loans. It also helps you understand the required income, credit score, reserves, and documents for qualification. Using this comprehensive mortgage calculator, view Conforming Conventional loans, USDA, FHA, and VA options side by side, enabling an informed decision on the most appropriate program in CA for your specific financial needs.

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2026 Loan Limits and Down Payment Requirements in Diamond-Springs, El Dorado County, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $675,050 3%
USDA $478,400 0%
FHA $675,050 3.5%

This table applies to the zip codes: 95667

Options for Conventional and FHA Loans in Diamond-Springs, CA

The aim of Lendersa® is to swiftly and easily help you find the best suited Conventional, USDA, or FHA loan. Begin by choosing one of three approaches that connect you with appropriate lenders and loan options.

  1. Submit a comprehensive loan request with Conventional/USDA/FHA optimization
  2. Review current rates and terms for Conventional, USDA, and FHA
  3. Explore the extensive database of Conventional lenders
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Diamond-Springs Lenders


  • EZ Mortgages
  • 4535 Missouri Flat Rd, Suite 2E, Placerville, CA, 95667
  • Lends in California

  • EZ Mortgages was founded by Eric Grathwol (NMLS 239756), a mortgage industry veteran, on the principle that real estate financing doesn’t have to be a painful, unpleasant experience for you. We understand that although every individual borrower and scenario is unique, each lender has standard requirements that are very uniform.

  • MortgagePlus
  • 3100 Ridge Pass Drive, Cameron Park, CA, 95682
  • Lends in California

  • 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.

  • Vision Mortgage, Inc.
  • 3161 Cameron Park Drive, Suite 108, Shingle Springs, CA, 95682
  • Lends in California

  • Vision Mortgage was established in 1998 with customer service at the forefront of its mission plan. The company’s major growth pattern spans over the last 5 years. The foundation of this growth has been the continued focus on customer service coupled with the best interest rates in the industry.

  • Marquis Mortgage
  • 3420 Coach Lane, Suite 12, Shingle Springs, CA, 95682
  • Lends in California

  • We are a full-service mortgage company based in Cameron Park, CA. We specialize in Conventional loans, FHA loans, and VA loans. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.

  • Folsom Lake Lending
  • 981 Governor Dr, Suite 102, El Dorado Hills, CA, 95762
  • Lends in California

  • Jason Alcazar, your local California mortgage professional. As a licensed mortgage originator, my reputation is built on professionalism, integrity and the ability to keep transactions on track. I am dedicated to helping my clients obtain a mortgage that fits their specific financial goals.

  • Van Patten Mortgage Group
  • 1107 Investment Blvd, Suite 290, El Dorado Hills, CA, 95762
  • Lends in California

  • The Van Patten Group is a full-service mortgage company based in beautiful Sacramento, CA. We specialize in FHA, Conventional, VA Mortgages. We serve California, Florida Colorado and Tennessee.Van Patten Group is a full-service mortgage company based in beautiful Sacramento, CA. We specialize in FHA, Conventional, VA Mortgages.

  • Western Heritage Financial, Inc.
  • 4949 Windplay Drive, Suite 125, El Dorado Hills, CA, 95762
  • Lends in California

  • At Western Heritage Financial, Inc. We are a referral-based, family-owned company based in El Dorado Hills. Specializing in both home purchases and refinances, we have been helping California families and individuals obtain mortgage financing since 1980. we are sure to structure a tailored program that perfectly matches your mortgage goals.

  • Equip Capital Group, Inc
  • 989 Governor Drive, Suite 101, El Dorado Hills, CA, 95762
  • Lends in California

  • Equip Mortgage was founded on the idea that we aren’t just here to provide loans. We’re here to assist with your largest investment, and support you even beyond your purchase. That is why we have quickly become one of the best mortgage lenders in Northern California. and also Mortgage Broker providing incredible service and best mortgage.

  • MLS Reverse Mortgage
  • 215 Maple St, Auburn, CA, 95603
  • Lends in California

  • we’re the faces behind MLS Mortgage Group, Eric and Shel House, a husband and wife team that live where we work – in the heart of our hometown, MN. Our business is based out of NE Minneapolis where the community is fantastic and there are amazing, fun happenings on a regular basis.

  • Broker Direct Lending
  • 13635 Harlequin Way, Auburn, CA, 95603
  • Lends in California

  • Broker Direct Lending as a disrupter in the mortgage industry by offering a streamline, wholesale home loan to a marketplace dominated by Big Banks and Direct Lenders. Broker Direct Lending gets to hand select its lender partners. As a mortgage broker Marcus in control of what wholesale lenders I partner with.
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