FHA VS Conventional loan programs in 2026 for Folsom, Sacramento County, California
In 2026, within the city of Folsom, county of Sacramento, CA, the conventional loan limit is capped at $763,600, whereas the FHA limit, applicable for single-family homes, is $763,600.
Leverage the Lendersa® Conventional loan calculator to assess and contrast current rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit score, reserves, and documentation needed to qualify. Our comprehensive mortgage calculator allows for a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, helping you decide which program in CA best suits your financial situation.
2026 Loan Limits and Down Payment Requirements in Folsom, Sacramento County, CA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$763,600
3%
USDA
$540,000
0%
FHA
$763,600
3.5%
This comparison table is relevant to zip codes: 95630
Options for Conventional and FHA Loans in Folsom, CA
The goal of Lendersa® is to provide you with the quickest and easiest path to acquiring a top-notch Conventional, USDA, or FHA loan. Choose from one of the three starting points designed to match you with lenders and loan programs suited to your needs.
Commercial Capital Funding has listened to the concerns of Real Estate Agents and is out to change the real estate agent/ loan officer relationship. With a growing need for easier access to mortgage loans and a desire for faster closings we are quickly addressing the needs of both the real estate professional and the borrower.
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.
3161 Cameron Park Drive, Suite 108, Shingle Springs, CA, 95682
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.
3420 Coach Lane, Suite 12, Shingle Springs, CA, 95682
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.
915 Highland Park Drive, Suite 450, Roseville, CA, 95678
Backed by exceptional capital strength and substantial assets, we are a resilient and resourceful California Bank whose core Banking and lending principles reflect that of a community Bank. For over a century, it has been our foremost commitment to exceed our clients’ expectations every day.
The Homes for Veterans is a group of committed local professionals specializing in VA LOANS & VA REAL ESTATE services in the greater Sacramento area for over 35 years. Purchasing a home using the a VA loan requires experience & knowledge of the complexities of VA financing. Helping our Veterans discover the dream of homeownership in NC since 1981.
915 Highland Pointe Drive, Suite 250, Roseville, CA, 95678
Since 1989, we have been in business to help the communities we serve obtain the American Dream. Buying a home is one of our largest investments that we make in our lifetime. With our intense focus and commitment we have helped many clients make a sound financial decision regarding their mortgage and investment needs.
We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
The mission of Granite Equity Group is to provide our clients with the most satisfying home buying, selling and financing experience to be found in the greater Sacramento region. We’re known for our dedication, knowledge and experience, and for our commitment to delivering the best service possible.
925 Highland Pointe Dr, Suite 330, Roseville, CA, 95678
"We help families enjoy the magic of owning a home...because getting a loan shouldn't make you feel crummy.
Our experienced loan officers and production specialists are experts in residential loan processing and know how it feels to be on the borrowing end of a home purchase or refinance. Your future financial stability"
915 Highland Pointe Dr, Suite 250, Roseville, CA, 95678
"Dennis Knight has 30 years of experience in the mortgage industry. Helping clients purchase and refinance their homes. Dennis has developed specialized strategies ranging from first-time home buyer needs to helping investors. His other areas of expertise include VA Lending, FHA Lending, Conventional and more."
1328 Blue Oaks Blvd, Suite 100, Roseville, CA, 95678
We are a locally owned Mortgage Brokerage, providing home loans in the state of California. We have access to top loan products designed to meet your specific needs and goals. Give us a call, we would love to work with you! Brokerage, providing home loans in the state of California. We have access to top loan products designed
