Explore the differences! FHA VS Conventional loan programs in San-Leandro, Alameda County, California

In 2026, the conventional loan limit in the city of San-Leandro, specifically within the county of Alameda, CA, is $970,800. Meanwhile, the FHA limit for a single-family residence is set at $970,800.

Utilize the Lendersa® Conventional loan calculator to evaluate today's leading rates among Conventional, FHA, and USDA options. This tool helps you assess the necessary income, credit, reserves, and paperwork required to qualify. With our advanced mortgage tool, compare Conforming Conventional, USDA, FHA, and VA loans side by side to choose the most suitable program for your financial circumstances in CA.

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2026 Loan Limits and Down Payment Requirements in San-Leandro, Alameda, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

Note: The comparison table applies to these zip codes: 94578

Available Conventional and FHA Loan Options in San-Leandro, CA

The mission of Lendersa® is to help you swiftly obtain the best possible Conventional, USDA, or FHA loan without hassle. Choose one of three initial steps to connect with the appropriate lenders and suitable loan programs.

Lendersa USDA loan request and matching results


San-Leandro Lenders

  • Outstanding Investment Company Inc
  • 2450 Washington Avenue, Suite 100, San Leandro, CA, 94577
  • Lends in California
  • If today's unrealistic credit requirements and housing regulations are making it impossible for you to get money out of your home then OIL is here for you. At OIL we understand that each individual borrower has individual circumstances. we are an Outstanding Investment Lending and we want to work with you.

  • Lane Mortgage, LLC
  • 604 Oakes Boulevard, San Leandro, CA, 94577
  • Lends in California
  • Our 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.

  • BayCal Mortgage
  • 3553 Castro Valley Blvd, Suite H, Castro Valley, CA, 94546
  • Lends in California
  • "BayCal Capital is a client-focused and trustworthy company, providing ethical and sound advice in real estate & lending.

    Our team of professional Realtors and Mortgage Originators, come with an extensive amount of experience in the Real Estate industry, and are available at any time."

  • Assurity Realty Corp
  • 23920 Sunnybank Pl, Hayward, CA, 94541
  • Lends in California
  • Assurity Realty Corp (ARC) is a family owned real estate business and home to a growing staff that are committed to helping our clients with all of their real estate needs, both Commercial and Residential. Become a part of our family! Real Estate Sales & Purchases are our business.

  • Heritage Fund Realty and Investments
  • 21573 Foothill Blvd, Suite 211, Hayward, CA, 94541
  • Lends in California
  • Our company specializes in the full spectrum of financial services. We pride ourselves in finding solutions to help clients navigate financial issues and plan for financial goals. We work with real estate purchases, listings, and property management. We also originate mortgages and other types of real estate financing.

  • Seawest Coast Guard Credit Union
  • PO Box 4949, Oakland, CA, 94605
  • Lends in California
  • When you start a credit union from the ground up, you know a few things about trustworthiness, personal service, and good faith. We don’t keep your money in a shoebox anymore. But we are committed to showing those same principles to everyone who works with us today. We want to help people weather life’s storms and celebrate the sunny days with them

  • California Real Estate Services
  • 433 Hegenberger Road, Suite A, Oakland, CA, 94621
  • Lends in California
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • American Realty Services
  • 23704 Clawiter Road, Hayward, CA, 94545
  • Lends in California
  • Whether you are looking for houses for sale or to sell a house, the most important thing is that you work with a real estate agent that you can trust. As your loyal real estate agent, I take it upon myself to provide you with the guidance and assistance that you deserve throughout the entire real estate process.

  • Champion Home Loans Inc
  • 372 Fairview Way, Milpitas, CA, 94545
  • Lends in California
  • Our 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.

  • United Financial Services.
  • 24301 Southland Dr, Suite 409, Hayward, CA, 94545
  • Lends in California
  • United Financial Services (UFS) provides private direct loans. We provide short-term fix & flip financing and long-term rental financing for real estate investors. Our loans, often called “hard money” can be used for the purchase or refinance of non-owner occupied residential properties, financing of renovation projects, and bridge funding.