FHA VS Conventional loan in Long-Beach, Los Angeles County, California

In 2026, the conventional loan cap for a single-family home in Long-Beach, located in Los Angeles county of CA, is set at $970,800, while the FHA cap is $970,800.

Leverage the Lendersa® Conventional loan calculator to evaluate today's ideal rates between Conventional, FHA, and USDA options. This tool aids in determining the needed income, credit, reserves, and documents to qualify. Compare side-by-side a variety of loans like Conforming Conventional, USDA, FHA, and VA to identify the best choice for your financial conditions in CA.

Explore competitive loan offers from 100 lenders

2026 loan limits and down payment requirements in Long-Beach, Los Angeles county, CA

Loan Type Loan Limit Down payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

These comparisons are applicable to the following zip codes: 90822

Explore Conventional and FHA Loans in Long-Beach, CA

Lendersa® seeks to effortlessly provide the most advantageous Conventional, USDA, or FHA loan promptly. You can choose from three starting points ranging from detailed requests to rate comparisons or accessing a vast lender database, maximizing the chances of finding suitable lenders and loan programs.

Lendersa USDA loan request and matching results


Long-Beach Lenders

  • VA Desert Pacific Federal Credit Union
  • 5901 East 7th Street, Long Beach, CA, 90822
  • Lends in California
  • At VA Desert Pacific Federal Credit Union, we have a passion for serving others and we take pride in doing it well. Since 1947, we have provided steadfast financial service to the hardworking people who make a difference in the lives of men and women who served our country. and also Providing steadfast financial service and education enabling VA.

  • B Squared Funding - Home Loans
  • 1100 E 3rd St, Long Beach, CA, 90802
  • Lends in California
  • B Squared Funding - Home Loans is a real estate company based out of 1100 E 3RD ST, Long Beach, California, United States.

    B² is me, Babak Bijarchi. My mission as a full-service mortgage brokerage is to deliver my services on a personal level, to make home ownership as seamless and affordable as possible.

  • Investors Realty Partners
  • 235 Broadway, Suite 218, Long Beach, CA, 90802
  • Lends in California
  • Our solid experience in the field and the long list of previous projects run, recommend us as a reliable business partner. By choosing our team, you will benefit from our expertise, dedication and high availability throughout your projects. Feel confident that together we will accelerate your business development towards the right direction.

  • Allways Financial Services Inc.
  • 1424 East Broadway Ave, Suite A, Long Beach, CA, 90802
  • Lends in California
  • AllWays Financial 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

  • LBL Mortgage
  • 3780 Kilroy Airport Way, Suite 200, Long Beach, CA, 90802
  • Lends in California
  • LBL Mortgage is an independent mortgage company. Unlike mortgage banking companies who only have one place to quote a customer’s interest rate, we have over 20 lenders who compete daily to be the lowest on rates and fees. That’s how we win the business of our customers In other words, LBL Mortgage doesn’t just have one pond to fish out.

  • LA Gordon Mortgage Center
  • 2350 250 St, Suite 10, Lomita, CA, 90717
  • Lends in California
  • 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.

  • Golden State Mortgage
  • 2244 Pacific Coast Hwy, Suite 106, Lomita, CA, 90717
  • Lends in California
  • Golden State Mortgages is focused on helping Californians achieve the goal of home ownership. Our goal is to close every loan in 28 days or less. In-house underwriting, processing, and closing allows for fast approval and on-time fundings.Local California mortgage company and provide top-notch customer support.

  • Capital Lending & Real Estate
  • 1977 Redondela Drive, Rancho Palos Verdes, CA, 90275
  • Lends in California
  • Capital Lending and Real Estate, Inc. is a client-centered mortgage brokerage firm, helping people purchase and finance their homes in the state of California since 1995. Whether you are purchasing your first home, refinancing an existing loan, or looking for a new investment, I am here to help you with all your needs!

  • Excel Funding Real Estate Services Inc
  • 28924 South Western Avenue, Suite 110, Rancho Palos Verdes, CA, 90275
  • Lends in California
  • Excel Funding Real Estate Services, Inc., we are a one-stop shop for Real Estate and Financing. With over 20 years of experience, we have helped thousands of people to buy their dream homes! Whether you are looking to refinance, purchase or sell property, we have the expertise to get the job done professionally and efficiently

  • Fairview Mortgage Capital, Inc.
  • 29000 S Western Ave, Suite 210, Rancho Palos Verdes, CA, 90275
  • Lends in California
  • The Fairview Mortgage Capital Team is your premiere mortgage team located in San Pedro, California. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the California area.