FHA VS Conventional loan 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


  • Ocean Pacific Capital
  • 3300 Irvine Ave, Newport Beach, CA, 92660
  • Ocean Pacific Capital has been arranging, underwriting, structuring and placing Commercial loans, Apartment Loans and Joint Ventures on behalf of our clients since 1977. As a premier commercial loan consultant, we underwrite and arrange all commercial, construction & joint ventures and loans from $700,000.00 to $300,000,000.00 worldwide.
  • Marshall Reddick Real Estate
  • 4299 MacArthur Blvd, Suite 105, Newport Beach, CA, 92660
  • If you are looking to grow your wealth in real estate by investing your hard earned money, we can help. However, we do not have the zero-money and no-credit real estate deals, we do not sell expensive education programs or overpriced mentoring advice, and we are not get-rich-quick gurus.
  • AB Capital LLC
  • 15 Corporate Plaza Dr Suite 200, Newport Beach, CA, 92660
  • AB Capital is an asset-based direct lender headquartered in Newport Beach that specializes in short term bridge & construction loans secured by California real estate. AB Capital takes a common sense approach to underwriting and all approvals are made in-house. We focus on 1st and 2nd position trust deeds from $500,000 to $ 15,000,000 in all maj
  • Lendterra
  • 20281 SW Birch St #200, Newport Beach, CA, 92660
  • We are a private money lender focused on serving the distressed and underserved borrower market. With a combined experience of over 50 years in real estate lending, be assured the professionals at Lendterra can assist you with every facet of your project. We work directly with private investors to facilitate fundings that otherwise could have never
  • Hard Money Lenders California
  • 620 Newport Center Drive Suite #850, Newport Beach, CA, 92660
  • Extremely trustworthy, reliable, fast and experienced hard money lenders in California. We provide local hard money for your next new construction project, commercial property acquisition, fix and flip, rehab or buy and hold. Give us a call today at 858-947-3779 to submit your request for your next hard money loan.
  • Wilshire Finance Partners
  • 1400 Newport Center Dr, Suite 250, NEWPORT BEACH, CA, 92660
  • Wilshire Finance Partners is an alternative, balance sheet lender focused on originating multifamily and commercial mortgage loans from $1 million to $10 million throughout the United States. As the manager of 2 real estate debt funds, we have a strong track record in an expanding market segment.
  • Mortgage Vintage, Inc.
  • 260 Newport Center Dr. #403, NEWPORT BEACH, CA, 92660
  • Mortgage Vintage, Inc. connects people who want to invest money secured by Real Estate with real estate investors and business professionals who want to borrow money. Specifically we’re a Hard Money Lender placing private investment capital into well secured and well underwritten Trust Deed Investments.
  • Capital Benefit
  • 4667 MacArthur Boulevard, Suite 230, Newport Beach, CA, 92660
  • Capital Benefit procures, originates, underwrites, sells and services privately-funded first-trust deed loans for residential properties in California. our straightforward, conservative philosophy have set the standard for private money lending, trust deed investment and private lender loan servicing.
  • Bridge Loan Financial
  • 500 Newport Center Drive, Suite 570, Newport Beach, CA, 92660
  • Bridge Loan Financial, Inc. is a private mortgage lender with the financial resources to fund loans up to $10 million on residential and commercial properties throughout California. As a direct portfolio lender, we have the capability to close loans fast without the stringent credit requirements of commercial banks.
  • Prestige Home Services, Inc.
  • 12548 Avocado Way, Riverside, CA, 92503
  • 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 and your family from the many mortgage options that are available today.
  • Top Loan Fundings
  • 3461 Hillview Drive, Riverside, CA, 92503
  • Top Loan Fundings Team is devoted to consistently elevating customer standards within the industry while making property ownership and investment a reality. With extensive industry knowledge and a high level of involvement, we value building lifelong relationships with clients and treating them like family.
  • Pacific Sun Lending, Inc.
  • 3410 La Sierra Avenue, Suite F88, Riverside, CA, 92503
  • Pacific Sun Lending, Inc. I have over 25 years of experience in the Mortgage industry and our fabulous team is here to help you with all of your financing needs. We can even do credit repair too if you need a boost to your credit score. We are a straight forward lender. 90% of the loans we fund do not pay any points.