FHA VS Conventional loan programs in Lucerne, Lake County, California

As of 2025, the Conventional loan limit in Lucerne, situated in the county of Lake, CA, is set at $726,200, whereas the FHA limit for a single-family house is $472,030.

Employ the Lendersa® Conventional loan calculator to contrast today's best rates for Conventional, FHA, and USDA loans, determining the qualifications like income, credit, reserves, and necessary documents. Our advanced mortgage calculator lets you view Conforming Conventional loans, USDA, FHA, and VA options side by side, helping you choose the best program in CA suited to your financial circumstances.

Evaluate loan offerings from over 100 lenders.

2025 Loan Limitations and Down Payment Needs in Lucerne, Lake county, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $400,000 0%
FHA $472,030 3.5%

This comparison table applies to the zip codes: 95458

Explore Conventional and FHA Loan Options in Lucerne, CA

Lendersa® aims to quickly and effortlessly connect you to the top-tier Conventional, USDA, or FHA loans. You can start with one of three approaches that will align you with suitable lenders and loan programs.

Lendersa's USDA loan request matching outcomes


  • RESONATE MORTGAGE INC
  • 140 N Barrington Rd, Suite 5, Streamwood, IL, 60107
  • 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
  • Compass Mortgage Inc
  • 27755 Diehl Rd Suite 100, Warrenville, IL, 60555
  • Mortgages are our only business. We can guarantee that meeting all of your mortgage needs is our top priority. At Compass Mortgage our strongest desire and greatest passion is to help our clients make wise and informed choices with regards to mortgage financing. Our experienced staff is always available to answer any questions you may have loan.
  • Smart Mortgage Center - Patty Harrison
  • 16151 S Lincoln Highway, Plainfield, IL, 60586
  • Smart Mortgage Centers is a Better Business Bureau A+ rated Mortgage Company. We are a family owned and operated business helping the community obtain mortgages for purchase and refinancing since 1997. At Smart Mortgage Centers, we work with over 30 of the top lenders in the industry to help find you the best rate
  • SIU Credit Union
  • 395 N Giant City Rd, Carbondale, IL, 62902
  • SIU Credit Union was founded in 1938 as Jackson County Teachers' Credit Union. Today, we serve 24 counties and many employer groups in southern Illinois. As a not-for-profit, member owned, financial cooperative, we believe in serving our membership instead of maximizing profits and Today, we serve 24 counties and many employer groups in southern Il
  • Fidelity Mortgage Capital LLC
  • 421 N Northwest Highway, Suite 22, Barrington, IL, 60010
  • Our mission at Fidelity Mortgage Capital 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.
  • Amerifinancial Home Mortgage Inc
  • 421 North Northwest Highway, Suite 16, Barrington, IL, 60010
  • We are dedicated to making the loan process a satisfying experience. We use up-to-date technology to provide you with the tools necessary to research the loan right for you, find answers to mortgage questions, and complete the mortgage application process. Our goal is to help the you find a loan that fits your unique needs.
  • Priority 1 Mortgage LLC
  • 840 S Northwest Highway, Suite 202, Barrington, IL, 60010
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing the lowest interest rates and closing costs possible. Futhermore, we pleadge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Key Financial Sources Inc
  • 10 Executive Court, Suite 2, South Barrington, IL, 60010
  • ClearPath Financial Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Acclaim Mortgage Corp.
  • 2815 Forbs Ave, Suite 107-59, Hoffman Estates, IL, 60192
  • 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.
  • The Cottonport Bank
  • 153 Cottonport Avenue, Cottonport, LA, 71327
  • Cottonport Bank was founded by Mr. G.W. Sentell, Dr. C.J. Ducote, Mr. Tom M. Mathews, and other prominent residents of Cottonport and the surrounding areas. On September 15 of the same year, the bank opened for business with a capital stock of $25,000. Dr. C.L. Ducote was the first president of The Cottonport Bank from 1902 until 1909.
  • Abri Credit Union
  • 1350 Renwick Rd, Romeoville, IL, 60544
  • Abri Credit Union is a community based financial institution headquartered in Romeoville, IL. There are community branches located in Frankfort, Joliet, Lockport, Plainfield, and Woodridge. There are also branches with limited access located at Argonne National Laboratory, Fermi National Laboratory, and the Joliet Township High Schools.
  • RDS Mortgage Corporation
  • 14722 South Naperville Road, Unit 104, Plainfield, IL, 60544
  • RDS Mortgage Corporation, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.