FHA VS Conventional loan programs in Kelly-Ridge, Butte County, California

In 2026, the Conventional loan cap in Kelly-Ridge, within Butte county, CA, amounts to $647,200, whereas for a single-family home, the FHA limit is $420,680.

Make use of Lendersa®'s Conventional loan calculator to contrast current rates of Conventional, FHA, and USDA loans, determining the necessary income, credit, reserves, and documentation for qualification. Our mortgage calculator places side-by-side Conventional, USDA, FHA, and VA loans to guide you in selecting the best program for your financial circumstance in CA.

Consider offers from over 100 lenders

2026 Loan Limitations and Down Payment Details in Kelly-Ridge, Butte County, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $403,600 0%
FHA $420,680 3.5%

This table pertains to zip codes: 95966

Available Loan Options: Conventional and FHA in Kelly-Ridge, CA

Lendersa® focuses on swiftly and effortlessly securing the finest Conventional, USDA, or FHA loans for you. Initially, choose one of three pathways that lead to matched lenders and loan programs.

USDA loan request matching results by Lendersa


Kelly-Ridge Lenders

  • Summit Funding, Inc
  • 300 Salem Street, Chico, CA, 95928
  • Lends in California
  • Summit Funding Inc. - Chico is located downtown at the corner of 3rd and Salem. We provide residential home mortgage services.

    There are literally thousands of variables that can affect the outcome of your mortgage transaction. That’s why you need Summit Funding, Inc. to act as a liaison between the Title and Escrow Company,

  • California First Mortgage Company
  • 2053 Forest Avenue, Suite 4, Chico, CA, 95928
  • Lends in California
  • Jim Wikey is the owner and Senior Loan Consultant at California First Mortgage Co. He will manage your loan process from start to finish. Company provides the excellent one-to-one service you deserve. Our interest rates and low costs are among the most competitive anywhere. Established in 1997.

  • IMS Lending
  • 120 W 2nd Street, Unit 2, Chico, CA, 95928
  • Lends in California
  • IMS Lending have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business

  • Caliber Home Loans
  • 2580 Sierra Sunrise Terrace #200, Chico, CA, 95928
  • Lends in California
  • Caliber Home Loans, Inc is a full-service national mortgage lender and agency direct seller/servicer. Caliber originates loans through various channels and transaction types, including a network of retail branches, wholesale lending, and correspondent lending,and a consumer-direct centralized operation specializing in a variety of loan

  • J and J Mortgage
  • 908 Taylorville Road, Suite 200, Grass Valley, CA, 95949
  • Lends in California
  • Jessica Burton, started this company in 2011 because she believed she could make a difference in the mortgage industry. She started out by herself working out of her garage with a dream of running a company that offered exceptional service and a wealth of knowledge. Today she has just that, a team of people who challenge themselves.

  • Golden State Home Loans
  • 10076 Alta Sierra Dr., Grass Valley, CA, 95949
  • Lends in California
  • Golden State Home Loans is a Mortgage Broker NMLS #1839739. Helping First Time Home Buyers and Existing Home Owners acquire Lower Interest Rate and Lower Fee Home Loans Broker NMLS #1839739. Helping First Time Home Buyers and Existing Home Owners acquire Lower Interest Rate. Whether you’re buying, selling, refinancing, or building your dream home

  • Golden Valley Bank
  • 190 Cohasset Road, Suite 170, Chico, CA, 95926
  • Lends in California
  • At Golden Valley Bank we pride ourselves on delivering an experience unlike any other. Take our commitment to customers, staff and community - the foundation of true community banking. It's our passion to help businesses grow, help make dreams a reality and better our local economies.

  • Russell Street, Mortgage Broker
  • 15 Moraga Dr, Chico, CA, 95926
  • Lends in California
  • Providing Low Rate, No Hassle Mortgages throughout Colorado, Texas, and California. Whether you need the mortgage to buy a home, or are looking to refinance for a better rate, or take some cash out of your property, Russell Street can help. We work with you to find the right program and secure low market rates to make sure you are paying.

  • Home Loans By Shan
  • 121 W 1st Avenue, Chico, CA, 95926
  • Lends in California
  • Home Loans By Shan. Local expertise and broad real estate experience will benefit you whether you are serious about buying or selling a home at this time, or are a returning client checking out the many homeowner resources offered here. Home Loans By Shan's the objective here is to work diligently to assist you in meeting your real estate goals.

  • Network Mortgage
  • 155 E 3rd Ave, Chico, CA, 95926
  • Lends in California
  • Network Mortgage is a residential mortgage broker headquartered in Chico California. Founded in 1994, Network Mortgage serves California with the vision to provide mortgages to our friends, families and clients. We are a trusted mortgage brokerage that creates long term relationships and clients for life..