FHA VS Conventional loan programs in Palm-Springs, Riverside County, California

As of 2026, the loan limit for Conventional loans in Palm-Springs, within the county of Riverside, CA, is $647,200. Meanwhile, the FHA limit for a single-family home is $562,350.

Use the Lendersa® Conventional loan calculator to assess today's foremost rates between Conventional, FHA, and USDA loans. Identify the required income, credit, reserves, and documentation necessary to qualify. With our sophisticated mortgage calculator, compare Conforming Conventional, USDA, FHA, and VA loans side by side to determine which program in CA is the best fit for your financial needs.

Investigate loan offers from 100 lenders

2026 Loan Limits and Downpayment Requirements in Palm-Springs, 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: 92262, 92264, 92258, 92263

Conventional and FHA Loan Options in Palm-Springs, CA

The aim of Lendersa® is to get you the best possible Conventional, USDA, or FHA loan promptly and effortlessly. Select one of the three starting points to be paired with suitable lenders and loan programs.

Lendersa USDA loan request results


  • Rate One Financial, Inc.
  • 696 East Colorado Boulevard, Suite 205, Pasadena, CA, 91101
  • Rate One Financial, Inc 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

  • Oak Tree Home Loans and Finance, Inc.
  • 790 East Colorado Boulevard, 9th Floor, Pasadena, CA, 91101
  • We believe homeownership strengthens our communities, cities, and country. We understand buying a house is one of the biggest financial decisions in one’s life. We are committed to providing you with white glove service and guiding you throughout the entire loan process from start to finish

  • Temple View Capital
  • 105 S. Los Robles Ave. Suite 665, Pasadena, MD, 91101
  • Temple View Capital is a national private portfolio lender that offers flexible financing for investors in residential real estate. Founded by entrepreneurs with more than 20 years of residential mortgage and real estate investment experience, Temple View has been at the forefront of innovative product development since its inception.

  • RGC Capital Inc
  • 6730 Florence Avenue Suite 101, BELL GARDENS, CA, 90201
  • RGC Capital Inc is a commercial and private money lending firm providing alternative financing for non-bankable clients. Our nationwide lending platform allows financing for residential investment properties and all types of commercial assets.

    With over 35 years of lending experience and over 3000 closed transactions, we have earned a successful

  • Rene Luna Realtor
  • 6730 E. Florence Ave, Bell Gardens, CA, 90201
  • In 2007, one of the toughest times in the Real Estate industry, Rene Luna became a Real Estate Agent. By 2009 Rene had become a Real Estate Broker and had gained much experience both in real estate and in financing. During this time Rene was able to build the skills needed to negotiate for my clients best interests.

  • ILWU Credit Union
  • PO Box 7629, Long Beach, CA, 90807
  • ILWU Credit Union was founded in 1954 by Local 13 members Benny McDonald, Pete Moore, and Tony Arriaga. The Credit Union was founded as a financial cooperative to provide a place for longshoremen to cash their paychecks, save, and borrow money at reasonable loan rates. The Credit Union operated out of a small building next to the Local 13 Union.

  • Summit Lending of Long Beach
  • 3880 Kilroy Airport Way, Suite 10, Long Beach, CA, 90806
  • Summit Lending of Long Beach is a branch office of the Orange County-based Summit Lending, a direct mortgage lender, specializing in FHA, VA, Conventional Fixed Rate, and Jumbo mortgage loans for home buyers and homeowners throughout California.

    As a direct lender, quite frankly, we call the shots.

  • United American Mortgage Corporation
  • 3780 Kilroy Airport Way Suite 200, Long Beach, CA, 90806
  • Jack Skovgard is your premier mortgage broker located in Long Beach, California. Jack offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Long Beach area. Whether you are first time home buyer, purchasing your dream home,

  • Caltech Employees Federal Credit Union
  • 515 S. Wilson Ave, Pasadena, CA, 91125
  • On April 11, 1950, seven Caltech employees established Caltech Employees Federal Credit Union (CEFCU). Each of these founding members contributed one share of $5 to the first pool of Credit Union money.

    After 70 years of service, the Credit Union has grown from those first seven-member accounts

  • Wescom Central Credit Union
  • PO Box 7058, Pasadena, CA, 91109
  • Since 1934, Wescom Credit Union has been dedicated to helping members throughout Southern California build better lives. Now with 24 branches, we provide essential banking solutions to more than 200, 000 members.

    Like all credit unions, Wescom is a non-profit financial cooperative, and our members are our owners.

  • Integrity Realty and Finance
  • 257 East Adams Street, Long Beach, CA, 90805
  • I obtained my Real Estate License in 1998 and functioned primarily as a Realtor in various areas of Southern California until 2008 (when the Real Estate market drastically declined). Once that happened, I decided to try my hand as a Mortgage Loan Officer and immediately created a niche in that field.