FHA VS Conventional loan in Oakland, Alameda County, California
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.
2026 Loan Limits and Down Payment Requirements in Oakland, Alameda, CA
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
Explore Conventional and FHA Loans in Oakland, CA
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:
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
Welcome Home Funding delivers the personal service of a local lender, leveraging the resources of a national brand. Currently operating in all 50 states & the District of Columbia, Welcome Home Funding branches have earned over 1200 Zillow reviews praising reliable preapprovals, ease of transaction, on-time closings & transparency & communication.
1151 Harbor Bay Parkway, Suite 136, Alameda, CA, 94502
Lends in California
Fresh Home Loan, Inc., “Independent Mortgage Brokers That Work for the People! ™ with Garrick Werdmuller at the forefront, is a team of expert mortgage brokers helping people finance their dream homes and secure their future. We carry out our work with great care for our clients and follow the philosophy.
California Real Estate Finance was established in 1988 with a very simple and straight forward business philosophy. The philosophy is to take the mortgage brokerage business to a much more professional status catering to A quality loans. The philosophy is simple. Give our clients great interest rates, great service
We have Over 20 Years of Commercial & Residential Lending Experience at Niche-Loans. Great Network Relationships with Conventional Banks and Lenders, Bridge and Private Money Lenders, etc. Able to work through Complexed Deal Situations even in this current challenging lending market. Fast Answers, Great and Reliable Service and Willing to go the Ex
2450 Washington Avenue, Suite 100, San Leandro, CA, 94577
Lends in California
If today's unrealistic credit requirements and housing regulations are making it impossible for you to get money out of your home then OIL is here for you. At OIL we understand that each individual borrower has individual circumstances. we are an Outstanding Investment Lending and we want to work with you.
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.
When you start a credit union from the ground up, you know a few things about trustworthiness, personal service, and good faith. We don’t keep your money in a shoebox anymore. But we are committed to showing those same principles to everyone who works with us today. We want to help people weather life’s storms and celebrate the sunny days with them
Our goal to provide our customers with the best community banking experience possible. Where other banks have devised new and inventive ways to deal with their customers at an arms length, we remain committed to the idea that bank-customer relationships should be personal. We make an effort to know you, our clientele, and adapt our service.
1101 Marina Village Parkway, Suite 201, Alameda, CA, 94501
Lends in California
EZ Loans 4 Real Estate is a real estate and private money lender located in San Leandro, California. Founded in 2014 by Kevin Heslin, the company specializes in the origination of both residential and business purpose secured by Northern California real estate Specifically, EZ Loans 4 Real Estate originates loans to investors, borrowers.
