FHA VS Conventional loan programs in Gold-River, Sacramento County, California

For the year 2026, the conventional loan limit in Gold-River, located in Sacramento county of CA, is $675,050, whereas the FHA limit for a single-family property is $675,050.

Utilize the Lendersa® Conventional loan calculator to evaluate today's leading rates between Conventional, FHA, and USDA loans. This tool helps determine the necessary income, credit, reserves, and supporting documents for qualification. Our comprehensive mortgage calculator allows you to compare Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the best fit for your financial condition in CA.

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Overview of 2026 loan limits and downpayment requirements in Gold-River, Sacramento 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: 95670

Conventional and FHA lending options in Gold-River, CA

Lendersa® aims to secure you the best possible Conventional, USDA, or FHA loans swiftly and with ease. Choose from one of three initial paths to align with suitable lenders and programs.

USDA loan request and matchup results by Lendersa


Gold-River Lenders

  • Mortgage Consultants Group
  • 2200 Sunrise Blvd, Suite 168, Rancho Cordova, CA, 95670
  • Lends in California
  • For 25 years we have been helping clients with home loans by giving them options and helping them navigate the lending process. Not sure you will qualify? There is NO COST to getting pre-approved, give us a call to get started today!

    Jim Langdon (Branch NMLS #304050) has been in the Home Loan Consulting business for 25 years.

  • Copeland Realty and Mortgage
  • 11251 Coloma Rd, Suite F, Gold River, CA, 95670
  • Lends in California
  • Copeland Mortgage can offer you a free loan estimate with the lowest interest rate and mortgage payment that is available in the market. Whether you are looking for the lowest interest rate and mortgage payment, a shorter term to pay your house off faster, or need cash out to consolidate debt or do home improvements,

  • Mariner Finance
  • 11110 Coloma Rd Suite 45, Rancho Cordova, CA, 95670
  • Lends in California
  • "Mariner Finance Founded in 2002 by a group of leading experts in the consumer finance industry, Mariner Finance was established to provide customers with creative, flexible, and convenient lending options. At the core of Mariner Finance is the principle that superior customer service is the driving force behind building lasting relationships.

  • Optimus Capital Corp
  • 11064 Fair Oaks Blvd #200 Fair Oaks, Fair Oaks, CA, 95628
  • Lends in California
  • Optimus Capital offers fast and creative financing solutions for real estate investors, through private-money loans. Whether it’s for Long-term or Short-term Rentals, Fix and Flips, Ground-Up Construction or Commercial Real Estate Loans, Optimus Capital delivers fast and easy access to necessary financing nationwide. Our success is based on “speed

  • Crestone Mortgage
  • 8510 Madison Avenue, Suite F, Fair Oaks, CA, 95628
  • Lends in California
  • A family-owned business with over 20 years of experience,we are here to help customers obtain their dream homes with affordable mortgage loans.As a mortgage brokerage,our fiduciary duty is to our customers–not to banks. It is our duty & our pleasure to help customers get the best loan product at the cheapest possible cost from a variety of lenders.

  • Attorneys Funding Group
  • 11140 Fair Oaks Blvd, Suite 500, Fair Oaks, CA, 95628
  • Lends in California
  • With decades of experience in in the mortgage industry, our Veteran-owned mortgage company assists homeowners navigate the complexities of the home loan process through a no-nonsense, forward thinking approach. Our mortgage professionals have decades of experience, and are able to handle any real estate transaction from start to finish.

  • Mid Valley Funding & Inv., Inc.
  • 9706 Fair Oaks Boulevard, Suite 195, Fair Oaks, CA, 95628
  • Lends in California
  • We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. MidValley Funding & Inv. Inc, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!

  • Mid Valley Mortgage
  • 9706 Fair Oaks Boulevard, Suite 135, Fair Oaks, CA, 95628
  • Lends in California
  • We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. Mid Valley Mortgage, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!

  • VITEK Mortgage Group
  • 4401 Hazel Avenue Ste 135, Fair Oaks, CA, 95628
  • Lends in California
  • Ashley specializes in helping people purchase homes. Whether it's your first or tenth home, you will be in great hands! If you are looking to refinance your current home, take advantage of down payment assistance or just have questions about what your options are, The Willard Team is proud to be a local community lender.

  • Empire Home Loans, Inc.
  • 4401 Hazel Ave., Suite 135, Fair Oaks, CA, 95628
  • Lends in California
  • Empire Home Loans, Inc. is powered by people who earn the trust of clients and partners. Having respect for the home loan transaction, we are dedicated to providing our customer with the BEST interest rate available, and the personal attention the home loan process deserves.Empire Home Loans, Inc. supports Equal Housing Opportunity.