FHA VS Conventional loan programs in 2026 for Palm-Desert, Riverside County, California
As of 2026, the loan limits in Palm-Desert county, Riverside, within CA, are $647,200 for conventional loans and $562,350 for single-family homes under FHA.
Utilize Lendersa®'s Conventional loan calculator to compare the best rates available today among Conventional, FHA, and USDA loans. This tool illustrates the requirements for income, credit, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator lets you juxtapose Conforming Conventional, USDA, FHA, and VA loans, providing clarity on which option in CA best suits your financial needs.
2026 Loan Limits and Down Payment Criteria in Palm-Desert, Riverside County, CA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$381,800
0%
FHA
$562,350
3.5%
This comparison table is relevant for the following zip codes: 92260
Options for Conventional and FHA Loans in Palm-Desert, CA
Lendersa® is dedicated to securing the most competitive Conventional, USDA, or FHA lending options quickly and with minimal hassle. Choose one of the three pathways to be paired with appropriate lenders and loan programs.
Pacific Mortgage Exchange, Inc. of Palm Desert, CA has been your devoted hard money lender for over 30+ years! Pacific Mortgage Exchange, Inc.’s reliable hard money loan programs make the process of investment funding fast and convenient and enables clients nationwide with income-producing properties to receive funding.
Nationwide Fair Lending employs an experienced staff, whose sole function is to assure customer satisfaction throughout the entire loan process. Our staff’s commitment to this industry is supported by continued education and development in the latest products. We measure achievement not only in financial terms but also in human terms.
75280 Highway 111 Suite 101, Indian Wells, CA, 92210
Lends in California
LTV Private Equity is a locally owned company located in Indian Wells, California. With over 30 years of "Hard Money" experience within the LTV family, we have represented borrowers and lenders throughout the state of California.LTV personally inspects each property in question and gathers their own property data.
With over 15 years of experience in the accounting, property management and real estate industries, George has extensive knowledge in multi-family, residential and commercial real estate transactions and asset management. With his unique background, he is able to tailor his services to help each client achieve their goals.
77770 Country Club Drive, Suite A, Palm Desert, CA, 92211
Lends in California
Infinity Home Loans Group as well as a life time resident of the Coachella Valley, you can rely on me and my broad network of resources to make a REAL difference in your home buying process. Because of my 17 years of experience and the knowledgeable mortgage team that stands behind me, I'm an expert at connecting my customers to mortgage solutions.
77734 Country Club Drive, Suite L2, Palm Desert, CA, 92211
Lends in California
Ronald Christopher & Associates is a boutique Real Estate & Mortgage office that was established in 2013, Veteran owned & operated by Ron & Tina Saporito. Meeting within the business many years ago, Ron & Tina discovered they both had the same drive & passion for the real estate & mortgage industry but wanted to offer their clients a more enhanced,
77570 Springfield Lane, Suite M, Palm Desert, CA, 92211
Lends in California
At Power 1 Financial has 20+ years of experience in the mortgage industry. As a Mortgage Broker we can offer many types of loan programs through a variety of lenders. Banks and Mortgage Bankers are only able to offer limited in-house loan programs. Our number one priority is focusing on making customers for life!
42280 Beacon Hill, Suite D-3, Palm Desert, CA, 92211
Lends in California
BMC help you with all of your residential lending needs. Whether your goal is to finance your new home or business or Refinance an existing residential property, BMC is the only stop you need to make. A dedicated and committed mortgage and loan professional, Ira Boiko has the knowledge and experience to help you through the loan process.
"Vanmar Lending was founded in 2012 by Kristen (Vance) Martinez and Carlos Martinez. It is a full-service mortgage lending company offering FHA, VA, USDA, Conventional and Jumbo loan programs.
The team’s mission and commitment is its dedication to facilitating the dream of home ownership by providing Five-Star Service."
Dave Warth Mortgage Broker As a mortgage broker, I work with the wholesale departments of several banks & lenders nationwide so I can offer every type of mortgage available on the market at the best rates and costs. Unlike big banks who only have limited loan programs and sales reps who take your loan application.
