FHA VS Conventional loan programs in Fair-Oaks, Sacramento County, California

In 2026, the Conventional loan limit for a single-family home in Fair-Oaks, located in Sacramento county, CA, stands at $675,050. Meanwhile, the FHA limit is $675,050. This year's figures are significant for planning your real estate decisions.

Utilize the Lendersa® Conventional loan calculator to evaluate and compare today's most competitive rates among Conventional, FHA, and USDA loans. Determine the necessary income, credit scores, reserves, and documents required for qualification. Our advanced mortgage calculator allows you to see Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in deciding the best program for your specific financial circumstances in CA.

Explore loan offers from a diverse selection of 100 lenders

2026 Loan Limits and Down Payment Requirements in Fair-Oaks, Sacramento, CA

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

This comparison table is relevant to the following zip codes: 95628

Exploring Conventional and FHA Loan Options in Fair-Oaks, CA

The mission of Lendersa® is to seamlessly connect you with the most suitable Conventional, USDA, or FHA loan quickly and without any hassle. Begin by choosing one of three initial pathways that will guide you to match with lenders and the right loan programs.

Review Lendersa's USDA loan requests and matching results


  • Sunset Equity Funding
  • 6125 Washington Blvd, Culver City, CA, 90232
  • Sunset Equity Funding is a nationwide direct private money and hard money lenders based in Los Angeles, CA. We offer competitive commercial financing programs for real estate investors. Loans range from $100K – $50M million in size and we are able to fund in 48 hours or less. We expedite the loan cycle, so you can continue to scale your business.

  • Sunset Equity Funding
  • 6125 Washington Blvd, Culver City, CA, 90232
  • Sunset Equity Funding is a nationwide, direct private money lender offering competitive commercial financing programs for real estate investors.

    Loans range from $100K - $50M million in size and we are able to fund in 48 hours or less. Foreign nationals are ok. We have no pre-payment penalty.

  • ABM Realty Group Inc.
  • 11600 West Washington Place, Suite 111, Los Angeles, CA, 90066
  • 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.

  • E3 Capital Partners
  • 10659 W. Pico Blvd, Los Angeles, CA, 90066
  • E3 CAPITAL PARTNERS® is a Real Estate mortgage, finance, brokerage, consultancy for Commercial and Residential Real Estate. E3 Capital partners underwrites/ corresponds with over 200 lenders for ALL property types, ALL borrower types, ALL loan product types. BROKERAGE: Client Representation to list and sell homes.

  • CP Financial and CP Realty Inc.
  • 12012 West Washington Boulevard, Suite C, Los Angeles, CA, 90066
  • CP Financial and CP Realty Inc. is a Direct Lender committed to making the lending process easy. Our philosophy is simple: "WHAT CAN WE DO TO MAKE IT WORK" We will work diligently in helping you find the right mortgage product for your needs. We understand that every borrower is different

  • David Diaz-Equity Smart Home Loans
  • 12655 W. Jefferson Blvd., Fl 4, Los Angeles, CA, 90066
  • David Diaz and his team has helped the Los angeles community for over 15 years. We are EquitySmart Home Loans a full service mortgage brokerage located in Los Angeles, California and the leading brokerage in So Cal for over 17 years. Broker HUD approved with over 100 lenders / banks specializing in Jumbo

  • ERIC MOBLEY REALTY
  • 5803 Bowcroft St UNIT 3, Los Angeles, CA, 90016
  • Direct Lender and Real Estate Professional, we have over 40 years in the Real Estate industry. Licensed California Real Estate Broker Independent Consultant and Real Property Acquisition Specialist. We deliver the expertise you need and facilitate all aspects of Residential and Commercial Real Estate transactions

  • Priority One Credit Union
  • 1631 Huntington Dr, South Pasadena, CA, 91030
  • Our mission To help our member-owners and employees achieve financial fitness. We are committed to providing quality products and services that help you win with money We are proud to say that your Credit Union is financially strong and has a great future.We wonder if the first 17 members ever envisioned that we would grow to become a $207 million.

  • Huntington Group
  • 305 Pasadena Avenue South, South Pasadena, CA, 91030
  • Huntington Group is A Full Service Real Estate and Mortgage Company. Huntington Group seeks to assist potential clients with prequalification, Real Estate and mortgage services. In addition, Huntington Group can assist potential clients with Bridge or Hard Money Financing. Huntington Group serves all of Southern California.