FHA VS Conventional loan in Petaluma, Sonoma County, California

In 2025, Convetional loan limit in Petaluma, county of Sonoma, CA is $861,350 while FHA limit is $861,350 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Petaluma, county of Sonoma, CA

Loan Type Loan Limit Down payment
Conventional Conforming $861,350 3%
USDA $763,200 0%
FHA $861,350 3.5%

The comparison table applies to zip codes: 94954, 94952, 94953

Conventional and FHA loan options in Petaluma, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • RealMortgage, Inc.
  • 2173 Salk Avenue, Suite 250, Carlsbad, CA, 92008
  • "We provide mortgage and loan refinance solutions, as well as free online tools to streamline your application process. Working with us, you’ll save money by choosing the most cost effective financial service available to you. And, you’ll save time by reducing the hassle of obtaining mortgage quotes and jumping through hoops every time"
  • Premier Home Mortgage Loans
  • 1902 Wright Place, 2nd Floor, Carlsbad, CA, 92008
  • Premier Home Mortgage Loans working for retail mortgage companies and call centers, I felt there had to be a better way to serve individuals looking for a home mortgage. The lack of personal attention and slow processing times made it frustrating for borrowers. I decided to create a company that would address these issues and put the client.
  • Portfolio Loan Specialists
  • 1902 Wright Pl, Suite 200, Carlsbad, CA, 92008
  • I am committed to providing my clients with the highest quality home loans combined with some of the lowest mortgage rates available. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, I can help make your dreams come true.
  • AAA Private Money
  • 2173 Salk Ave. Suite #250, Carlsbad, CA, 92008
  • AAA Private Money is a Carlsbad, California based company that specializes in private money loans and investments backed by real estate. Our philosophy is to provide industry leading services at wholesale pricing to deliver exceptional results to everyone doing business with us.
  • Mortgage Wholesale
  • 110 Civic Center Dr, Suite 204, Vista, CA, 92084
  • We are a direct to consumer wholesale mortgage broker. After obtaining a mortgage, it will be bundled together with hundreds of other mortgages and re-sold on the secondary market, usually within 90 days, so you’ll never really know where you’ll be making your actual payment. Knowing this, why not start your purchase or refinance
  • Stated Income Loans
  • 110 Civic Center Dr, Vista, CA, 92084
  • Commercial Property We Fund Nationwide: commercial warehouses, retail spaces, industrial offices, self storage, office buildings, farm Loans, multi-family, assisted living, short-term rentals and others. The property where your business will operate is unique and we pair our knowledge and resources to ensure your business mortgage success!
  • SoCalReverse
  • 110 Civic Center Dr, Suite 204, Vista, CA, 92084
  • SoCal Reverse Mortgage was created to offer all the variants of the Reverse Mortgage. Since the Reverse Mortgage was poorly implemented for many years, there is a fear associated with it and this leads to borrowers not exploring the alternative. Our method of doing business is to have high client involvement
  • A Vision Property Services| Home Loans | Home Purchase and Sales
  • 28812 Vista Valley Dr, Vista, CA, 92084
  • A Vision Property Services| Home Loans | Home Purchase and Sales Mortgage lending, home purchases and home sales. Contact me for no cost loans --- or best rate loans! You choose! Specializing in VA, FHA, Conventional, Jumbo and Purchase loans Lori Flannery is the President & Owner mortgage company