FHA VS Conventional loan programs in Phoenix-Lake, Tuolumne County, California

In 2025, the Conventional loan limit for Phoenix-Lake, located in the county of Tuolumne, CA, stands at $647,200. Meanwhile, the FHA limit for a single-family home is set at $420,680.

Utilize the Lendersa® Conventional loan calculator to assess today's best rates for Conventional, FHA, and USDA loans. It provides insights into the income, credit, reserves, and documents necessary to qualify. Our comprehensive mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in the decision-making process for the best program in CA for your financial situation.

Check out loan offers from 100 lenders

Loan Limits and Down Payment Requirements for 2025 in Phoenix-Lake, Tuolumne County, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $304,100 0%
FHA $420,680 3.5%

Applicable zip codes for the comparison: 95370

Exploring Conventional and FHA Loan Options in Phoenix-Lake, CA

The goal of Lendersa® is to swiftly connect you with the most suitable Conventional, USDA, or FHA loan without hassle. Choose one of three starting methods to find matching lenders and loan programs that meet your needs.

Outcome of Lendersa USDA loan request and matches


  • First Credit Union
  • 25 S Arizona Place, Suite 111, Chandler, AZ, 85225
  • First Credit Union was formed in 1929 by a group of federal employees in Southern Arizona. We were the "first" credit union in Arizona and among the first in the United States. Since our humble beginnings, providing friendly and personalized service to our members has been our number one priority.
  • John Z Home Loan Team
  • 575 W Chandler Blvd, Suite 225, Chandler, AZ, 85225
  • AmeriFirst Financial, Inc. has proudly provided homeowners with mortgage loans for more than 25 years. It’s all about service at Amerifirst Financial, and our company has been meeting the needs of homebuyers across the United States. I joined Amerifirst Financial because of its strong reputation for integrity—based mortgage lending.
  • Consumer First Financial PLLC
  • 3120 N. Arizona Avenue, Suite 105, Chandler, AZ, 85225
  • "Consumer First Financial is here to help make your dream of owning a residential property a reality. Whether you’re searching for low-fee mortgages or refinancing options, we can assist you in finding the best possible loan program. Our knowledgeable team offers various loan options with competitive rates."
  • ReZamp Lending, LLC
  • 500 W. Chandler Blvd, Chandler, AZ, 85225
  • ReZamp is a real estate brokerage with powerful software that finds and analyzes MLS properties in real time. We believe everyone should have access to high quality real estate data. Our mission is to create a platform that integrates all real estate data into a single, easy to use interface, in a way that has never been done before.
  • KHoward Mortgage Team
  • 2913 N Power Rd, Suite 108, Mesa, AZ, 85215
  • "With many years of experience in the mortgage banking industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing. Through working with Union Home Mortgage, a Direct Lender,"
  • Trusted Lending Center
  • 2929 North Power Road, Mesa, AZ, 85215
  • We are a Retail Mortgage Company designed to streamline the mortgage loan process and assist you in navigating your mortgage decisions to accomplish your goals. We hold ourselves to the highest standards and encourage you to do the same. Please keep us in the forefront of your mind for your mortgage needs and those of your family and friends.
  • MEMBERS PREFERRED CREDIT UNION
  • 1515 Hoopes Avenue, Idaho Falls, ID, 83404
  • Members Preferred Credit Union has been open since . It's the 21st largest credit union in Idaho with assets totaling $44.43 Million and providing banking services to more than 4,000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans
  • Idaho First Mortgage - Oswald Talbot Group
  • 3340 Merlin Drive, Idaho Falls, ID, 83404
  • We're a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms