FHA VS Conventional loan programs in Richmond, Contra Costa County, California

In 2025, Convetional loan limit in Richmond, county of Contra Costa, CA is $1,089,300 while FHA limit is $1,089,300 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 Richmond, county of Contra Costa, CA

Loan Type Loan Limit Down payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

The comparison table applies to zip codes: 94530, 94850, 94801, 94803, 94804, 94805, 94806, 94802, 94807, 94808

Conventional and FHA loan options in Richmond, 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


  • Khosravi Mortgage
  • 260 Santa Isabel Avenue, Costa Mesa, CA, 92627
  • Khosravi Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.
  • Ingram Company
  • 170 East 17th Street, Suite 200E, Costa Mesa, CA, 92627
  • Mark has been a licensed Mortgage Broker and Realtor since 1997. As owner of Ingram Company Realty & Mortgage, he specializes in first time buyers and works within all aspects of the mortgage industry to successfully find the right product for his clients. he worked as a Controller for a manufacturing company in Huntington Beach
  • Triple Crown Funding Inc.
  • 1901 Newport Boulevard Suite 350, Costa Mesa, CA, 92627
  • Triple Crown Funding deals directly with investors to fund private money loans. We are based in Orange County California and our executive team has spent many years building up our established network of private money investors. We work with mortgage brokers, bankers, real estate professionals and investors.
  • BN Loans, INC.
  • 1904 Harbor Blvd., Costa Mesa, CA, 92627
  • It has been Broker/Owner Corey Kohnke’ s dreams to open a Private Real Estate Investment Company. That dream is now here. Meet BN Loans Inc. – a private lender for real estate investors. We offer great customer service that allows our borrowers’ to focus on acquisitions and current projects.
  • Affordable Home Loans Inc.
  • 370 West 6th Street, Suite 110, San Bernardino, CA, 92401
  • Affordable Home Loans Inc. in San Bernardino, California, is a home refinance and loan company with more than 70 years of combined experience in providing the lowest rates in conventional, FHA, VA, and reverse mortgage loans. In our more than 30 years in business, we have helped hundreds of referral clients with our personalized.
  • Hypo Lending
  • 250 N. G St., San Bernardino, CA, 92410
  • Hypo Lending is a mortgage bank that specializes and offers an extensive range of loan products for purchase and refinance; FHA, VA, conventional loans, bank statement loans, foreign loans, ITIN loans, and commercial loans. We are a group of knowledgeable finance professionals with a proud Christian background.
  • RIPPON CAPITAL, INC.
  • 2901 W Coast Hwy, Suite 200, Newport Beach, CA, 92663
  • Rippon Capital offers a unique, boutique mortgage experience with a customized approach for established professionals on the Southern California Coast. We strategically position our clients to meet their home financing objectives through dedicated expertise, pricing, and products.
  • Resource Financial Mortgage
  • 2901 W. Pacific Coast Highway, Suite 200, Newport Beach, CA, 92663
  • RFM is a full-service mortgage broker in Newport Beach and Orange County where you can get the best rates for a home loan to buy a home or refinance. As a mortgage broker, RFM can shop for the best mortgage rates that suit your needs. We shop at over 20 different lenders, as all may have different guidelines.
  • Funding Concepts Group
  • 2901 West Coast Highway, Suite 200, Newport Beach, CA, 92663
  • Funding Concepts Group we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.