Explore the differences! FHA VS Conventional loan programs in Santa-Monica, Los Angeles County, California

During 2026, the conventional loan limit for a single-family home in Santa-Monica, situated in the county of Los Angeles, CA, is $970,800, while the FHA limit is $970,800.

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Explore the Lendersa® Conventional loan calculator to examine the most favorable rates today for Conventional versus FHA and USDA loans. This tool also outlines the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays Conforming Conventional loans, USDA, FHA, and VA loans side by side, providing insights into which program in CA is optimal for your specific financial requirements.

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Loan limits and down payment requirements for 2026 in Santa-Monica, Los Angeles county, CA

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

Table applies to zip codes: 90401

Discover Conventional and FHA loan pathways in Santa-Monica, CA

The aim of Lendersa® is to help you obtain the best possible loan, whether it's Conventional, USDA, or FHA, quickly and smoothly. Begin by choosing one of three starting paths that connect you with suitable lenders and loan offerings.

  1. Submit a comprehensive request for Conventional/USDA/FHA loan optimization
  2. Review Conventional USDA and FHA rates & terms initially
  3. Browse the extensive database of Conventional lenders
Lendersa USDA loan request and matching results



  • Scott Griffin Financial
  • 1999 Avenue of the Stars, Suite 1100, Los Angeles, CA, 90067

  • Scott Griffin Financial Management Solutions specializes in high-end residential mortgages, offering loans in California. The brokerage caters to high-net-worth individuals to offer 'A' Paper Jumbo Loans through concierge-grade, specialized service.Scott Griffin Financial is one of only a small number of brokerages that can offer the patented.

  • Guzzo & Co Inc.
  • 2029 Century Park E, Suite 400 Office 487, Los Angeles, CA, 90067

  • "Led by the Guzzo's family for over five generations in Europe, Guzzo & Co has been primarily associated with merchant activities.

    Started as an investment company in Italy, Guzzo & Co has expanded its presence in North America with a Mortgage Lending division and continues today to be an active independent investment firm"

  • American Trust Financial
  • 1880 Century Park East, Suite 412, Los Angeles, CA, 90067

  • With Over 30 Years of Combined Experience, Our Team has the Knowledge and Expertise to Ensure Professional, Accurate, High-Quality Service. We can give you an answer within 24 hours to see if you qualify for financing even if you have been turned down by other lenders. We put together a repayment plan with our borrowers that works for them.

  • Hard Money Go - Direct Hard Money Lenders
  • 10100 Santa Monica Blvd. #300, Los Angeles, CA, 90067

  • Hard Money Go specializes in residential and commercial hard money lending throughout Southern California. As the largest single source of private money, we have the ability to fund hard money loans within 10 business days and can get your deals closed under strict time deadlines.

  • Century City Mortgage
  • 1801 Century Park East #1101, Los Angeles, CA, 90067

  • Century City Mortgage is a full service mortgage brokerage operation that provides financing across almost all real estate categories. Our goal has been to provide property owners of all levels with not just financing, but long term strategy advice for their particular situation.


  • Archway Funding
  • 1875 Century Park East, Suite #900, Los Angeles, CA, 90067

  • Archway Capital is an alternative investment manager that provides short-term, bridge financing secured by commercial and residential real estate nationwide. Archway and it's affiliated funds have over 600MM in AUM. Archway offers quick, reliable and flexible lending solutions to help real estate sponsors meet their investment objectives.


  • Equitable Mortgage & Realty Incorporated
  • 2824 South Robertson Boulevard, Los Angeles, CA, 90034

  • Equitable Lending, we treat each customer as an individual; not a number. Unlike the "big lenders" we actually take time to listen to our customers' goals and aspirations, and we use old fashioned common sense and hard work to help our customers obtain the best loan possible given their goals and their situation. As a premier boutique mortgage.

  • SUNRISE MORTGAGE
  • 3415 S. Sepulveda Blvd, Suite 420, Los Angeles, CA, 90034

  • At Sunrise Mortgage, relationships drive everything we do - from who we hire to the clients we represent and the vast network of lenders we've established. We are a full service mortgage banking firm, originating and servicing commercial real estate loans nationwide through our extensive institutional lender network.

  • RCN Capital
  • 3415 S. Sepulveda Blvd. Ste 580, Los Angeles, CA, 90034

  • RCN Capital®, LLC is a national, direct private lender. We provide short-term commercial loans ranging from $50k to $2.5M+ to fund the purchase and rehab of non-owner occupied residential and commercial properties, provide bridge loans, and provide real estate-backed lines of credit.

  • Benefit Mortgage
  • 6167 Bristol Parkway, Suite 345, Culver City, CA, 90230

  • Benefit Mortgage was formed by financial industry veterans with vast expertise and a singular mission: to educate experienced homeowners on how to use a reverse mortgage safely as a retirement tool. We’ve helped countless homeowners proficiently utilize their home equity as an element of their retirement portfolio.

  • Sherie Howard & Associates Inc.
  • 8055 W Manchester Avenue, Suite 715, Playa Del Rey, CA, 90293

  • At Sherie Howard & Associates, Inc. We are a full-service mortgage company based in Playa Del Rey, CA. We specialize in Home Purchase Loans and Refinance in California. We offer FHA, Conventional, VA, HECM and more. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership
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