In 2026, the conventional loan limit for a single-family home in Oakland, situated within Alameda county of CA, is $1,089,300. Simultaneously, the FHA loan limit is designated at $1,089,300.
Utilize the Lendersa® Conventional loan calculator to contrast today's best rates for Conventional versus FHA and USDA, evaluating what income, credit, reserves, and documents are required to qualify. Our sophisticated mortgage calculator allows you to compare Conforming, USDA, FHA, and VA loans side by side, assisting you in selecting the most suitable program for your financial needs in CA.
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| Loan Type | Loan Limit | Down payment |
| Conventional Conforming | $1,089,300 | 3% |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
This table applies to the following zip codes: 94621, 94705, 94704, 94611, 94610, 94613, 94619, 94612, 94618, 94606, 94607, 94602, 94603, 94601, 94609, 94605, 94608, 94604, 94614, 94615, 94617, 94620, 94622, 94623, 94624, 94649, 94659, 94660, 94661, 94666
Lendersa® aims to bring you the most advantageous Conventional, USDA, or FHA loan effortlessly and promptly. Choose from one of three strategic starting points to find matching lenders and loan programs:
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