FHA VS Conventional loan programs in Encinitas, San Diego County, California

In 2024, Convetional loan limit in Encinitas, county of San Diego, CA is $977,500 while FHA limit is $977,500 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Encinitas, county of San Diego, CA

Loan Type Loan Limit Down payment
Conventional Conforming $977,500 3%
USDA $703,800 0%
FHA $977,500 3.5%

The comparison table applies to zip codes: 92007, 92075, 92024, 92023

Conventional and FHA loan options in Encinitas, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Colten Mortgage, LLC
  • 6021 S Syracuse Way, Suite 104, Englewood, CO, 80111
  • Our mission at Colten Mortgage is to make the loan process as stress-free as possible for our clients and partners. We use innovative technology to make the loan process smooth and simple, but we never underestimate the power of the human touch. Direct communication with our Loan Officers and Processing team when you have questions
  • Lead Funding, LLC
  • 7400 East Orchard Road, Suite 3000N, Englewood, CO, 80111
  • Lead Funding’s mission is to offer non-bank direct lending to real estate investors with competitive rates, hassle-free and quick terms, and complimentary essential tools. This “holistic” approach assists small to large real estate investors and is truly industry unique. To date, Lead Funding has loaned in excess of $700,000,000 directly to investo
  • Bridge Capital Resources LLC
  • 7350 E Progress Place, Suite 100, Greenwood Village, CO, 80111
  • Bridge Capital Resources™ LLC is a private money lender whose mission is to leverage entrepreneurial creativity bringing about inspired vision for transformation. We provide capital to real estate entrepreneurs for investment property acquisition, rehabilitation and stabilization. Principals of our company have nearly sixty years of combined indust
  • Palmer Lending
  • 600 S Cherry St, Suite 1108, Denver, CO, 80246
  • We are your trusted and experienced mortgage advisers, we strive in helping you for years to come! We are unlike other mortgage companies, we focus on empowering our clients with competitive rates and monitoring the market for movements that would benefit you! That is the reason why we should be your number one choice when it comes
  • Unified Mortgage Corporation
  • 950 S Cherry St, Suite 916, Denver, CO, 80246
  • Colorado's residential and commercial lending experts for both the QM/non-QM market. Unified Mortgage Corporation offers: easy, hassle-free, digital mortgages. access to lower wholesale rates, and closing in 20 days or less. Our licensed and multi-lingual staff make mortgages easy.
  • GR Financial
  • 650 South Cherry Street, Suite 1400, Denver, CO, 80246
  • GR Financial is a mortgage company founded in 2007. Colorado native, Gary A Romero has been in the industry for over 20 years and has helped thousands of customers either purchase new homes or refinance existing homes. The majority of Gary and his staff’s new clients are earned as referrals
  • Industry Home Mortgage
  • 720 S. Colorado Blvd. Penthouse N, Glendale, CO, 80246
  • At Industry Home Mortgage, we do things differently. Our focus is on YOU—our customer! We take the time to learn about your unique situation and your short and long-term financial goals. We listen to your needs, educate you on options and then find the right loan that makes sense for you.
  • Broadmark Realty Capital Inc.
  • 501 S Cherry St, Suite 1100, Denver, CO, 80246
  • Broadmark Realty Capital Inc offers short-term, first deed of trust loans secured by real estate to fund the acquisition, renovation, rehabilitation or development of residential or commercial properties. Broadmark Realty Capital manages and services its loan portfolio across a variety of market conditions and economic cycles.
  • 5280lend.com
  • 6775 E Evans Ave, Denver, CO, 80224
  • We provide a non-traditional approach to the way we educate people about using planning, preparation, research and LOGICAL THINKING to execute life's major financial decisions including Home Purchasing and Home Finance, Retirement and Education Expense Planning, Insurance and Estate Planning, Debt Management, Personal Budgeting and more.
  • Universal Lending
  • 6775 E Evans Ave, Denver, CO, 80224
  • Universal Lending Corporation has helped families from every walk of life achieve their dreams of responsible home ownership. Founded by Pete Lansing and based in Denver, Colorado, Universal Lending has grown from a staff of three to over 200 mortgage professionals around the United States.