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

In 2024, Convetional loan limit in Fair-Oaks, county of Sacramento, CA is $675,050 while FHA limit is $675,050 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 Fair-Oaks, county of Sacramento, CA

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

The comparison table applies to zip codes: 95628

Conventional and FHA loan options in Fair-Oaks, 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


  • Acala Investments
  • 6044 Gateway Blvd E, El Paso, TX, 79903
  • Acala Investments is El Paso’s leading, locally owned mortgage lender for private financing (“hard money”) loans for both residential and commercial properties. We offer a variety services including any and all residential and commercial real estate transactions with over 25 years experience in real estate.
  • Binary Investments, LLC
  • 6044 Gateway Blvd E, Suite 210, El Paso, TX, 79905
  • We work with a network of investors and hard money lenders to get you the deal that works for your project. We are able to find the right solutions for your real estate investment opportunities. We make our terms simple and understandable so you know you are getting the best deal possible.
  • High Desert Capital LLC
  • 6080 Surety Dr, Suite 101, El Paso, TX, 79905
  • "The commercial lending market in El Paso, Texas is as diverse as the people who populate this city. Our vision of providing premier, non-traditional lending services is uniquely designed to serve the needs for El Paso, Texas.Our commitment to you is to deliver these services through our philosophy of working creatively with our clients."
  • Home Plate Mortgage
  • 6070 Gateway East, Suite 311, El Paso, TX, 79905
  • Home Plate Mortgage was established in 2018. Home Plate Mortgage is owned and operated by Gilbert Madrid. Gilbert has been a Residential Mortgage Loan Originator for over 9yrs. Home Plate Mortgage specializes in VA, FHA, Conventional and USDA loans. They have a wide range of programs to fit your mortgage needs
  • The State Bank
  • 124 Colorado Street, La Junta, CO, 81050
  • The State Bank is a financial institution located in La Junta, Colo. The bank offers a wide variety of checking and investment products and services to customers. It provides various checking products, including free checking, financial connection, Rediclub, business management and corporate accounts.
  • The Colorado Bank & Trust Company
  • 301 Colorado Ave, La Junta, CO, 81050
  • At Colorado Bank & Trust Company, we believe the customer always come first. No voice mail for our customers – every call is answered by an employee specially trained to get you the answers you need! The Bank opened its first branch in Pueblo, Colorado, on January 19, 2006. The new branch was built on the “Mesa” in eastern Pueblo.
  • evolve Federal Credit Union
  • 8820 Gazelle Drive, El Paso, TX, 79925
  • evolve Federal Credit Union offers a full-service banking for anyone who lives, works or worships in El Paso. With 4 branch locations throughout El Paso, a full range of online services, and our mobile app, we can provide all of our members with a simple, easy and fast way to bank. Our mission is to build member loyalty through service.
  • GECU
  • 1225 Airway Blvd, El Paso, TX, 79925
  • In 1932, 11 El Paso civil servants pooled $5 each to form a credit union. Today, GECU is the largest and one of the strongest locally owned financial institutions in the city we call home with more than 400, 000 members, 30 branches. For over 85 years the people of our communities have been helping each other make dreams come true.
  • Sun City Home Loans
  • 1155 Westmoreland Dr, Suite 107, El Paso, TX, 79925
  • Sun City Home Loans offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the El Paso area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers.