Explore the differences! FHA VS Conventional loan programs in North-Richmond, Contra Costa County, California

In 2026, the conventional loan limit in North-Richmond, within the county of Contra Costa, CA, is $970,800. Conversely, the FHA limit for a single-family home amounts to $970,800.

Utilize the Lendersa® Conventional loan calculator to explore and assess the current best rates between Conventional, FHA, and USDA options. This tool helps you identify the necessary income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can view Conforming Conventional loans, USDA, FHA, and VA options side by side, aiding your decision on the most suitable program for your financial situation in CA.

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2026 Loan Limits and Downpayment Requirements in North-Richmond, Contra Costa, CA

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

This table comparison is relevant for the following zip codes: 94801

Conventional and FHA Loan Options in North-Richmond, CA

The objective of Lendersa® is to quickly obtain the most advantageous Conventional, USDA, or FHA loan with minimal hassle. Begin by selecting one of three strategies that connect you with matching lenders and loan programs.

Lendersa USDA loan request and matching results


North-Richmond Lenders

  • ZRE Funding
  • 3646 Park Ridge Drive, Richmond, CA, 94806
  • 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.

  • Delta Bay Realty
  • 2578 Mac Arthur Avenue, San Pablo, CA, 94806
  • Lends in California
  • Delta Bay Realty is your one-stop shop for all things Real Estate in the SF Bay area. From Buyer and Seller consultations to investor support and recommendations. We handle it all. We're not just making satisfied clients, we're making friends Delta Bay Realty is selling, buying or both, you can count on me as the local expert in the market.

  • Jadestone Mortgage, Inc.
  • 3260 Blume Dr, Suite 320, Richmond, CA, 94806
  • Lends in California
  • "Jadestone Mortgage, Inc. located in San Francisco's east bay has the experience with FHA, VA, Conventional and Reverse Mortgage loans.

    Our objective is to help you achieve your goal, whether buying or refinancing or seeking a Reverse Mortgage. Our friendly, experienced team will help you navigate the mortgage market to find the best.

  • Griselda Ledesma and Ledesma Team
  • 12553 San Pablo Avenue, Richmond, CA, 94805
  • Lends in California
  • Griselda Ledesma and Ledesma Team As a team we value visionary thinking, productivity, accountability and growth. With over 100 years of combined experience we are proud to be a quality resource for our community, yet remain humble and grateful to have the opportunity to serve. Our work is much more than real estate and mortgage.

  • Golden Gate Lending Group
  • 1680 Tiburon Blvd, Unit 9, Belvedere Tiburon, CA, 94920
  • Lends in California
  • Golden Gate Lending Group is the premier customized mortgage lender throughout the Bay Area. Boutique, tailored, and exclusive, we specialize in serving home buyers with temporary mortgage solutions that fits into our clients overall long-term financial plan. Principal and Founder, Sofia Nadjibi—with nearly two decades of experience.

  • Divita Home Finance, Inc.
  • 1610 Tiburon Boulevard, Suite 102, Belvedere Tiburon, CA, 94920
  • Lends in California
  • DiVita Home Finance was formed in 2007 with the simple goal of offering our clients significantly more home mortgage options compared to their limited local retail banks. With over 40 lender relationships and growing, we can find the right home loan solution for your situation. Most of our Loan Officers have decades of experience

  • Equitable Mortgage Group
  • 1101 Fifth Ave, Suite 220, San Rafael, CA, 94901
  • Lends in California
  • Equitable Mortgage Group was founded on the vision and promise to provide you with a fast, comfortable, and competitively-priced mortgage experience. Our simple business philosophy is to put your best interest first. We do what we say we are going to do, when we say we are going to do it, and we put everything in writing up-front.

  • Atalanta Financial
  • 711 Grand Ave, Suite 265, San Rafael, CA, 94901
  • Lends in California
  • Atalanta Financial has been committed to serving the financial needs of homeowners and homebuyers across California by providing a full menu of mortgage products, unparalleled customer service and expertise. Whether you are buying your first house, consolidating your debt, or refinancing your current home.

  • All California Mortgage
  • 1101 Fifth Avenue, Suite 220, San Rafael, CA, 94901
  • Lends in California
  • "SINCE 1992, ALL CALIFORNIA MORTGAGE HAS PROVIDED QUALITY SERVICE IN EVERY AREA OF MORTGAGE LENDING.
    From purchase to refinance to construction and commercial lending, we have access to a full range of mortgage sources. Our lending specialists are dedicated to finding you a loan-with great rates, terms and costs to meet your unique needs."

  • Capital Alliance Investments, Inc
  • 1108 Fifth Avenue, Suite 202, San Rafael, CA, 94901
  • Lends in California
  • Capital Alliance and its affiliates are mortgage bankers and real estate asset managers headquartered in San Rafael, California. We enable borrowers or their brokers access to an array of residential loan products with special expertise in providing non-QM, bridge, renovation and short/long term financing for all of these property types.