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

During 2025, 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.

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 2025 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, 90402, 90403, 90404, 90405, 90406, 90407, 90408, 90409, 90410, 90411

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.

Lendersa USDA loan request and matching results


  • Summit Mortgage Corporation
  • 1501 42nd St, Suite 465, West Des Moines, IA, 50266
  • Summit Mortgage is changing the way homebuyers view and experience the mortgage lending process. In today’s technology-driven world, it’s easy to end up as another piece of data in an automated system. But we think homebuyers deserve better. That’s why we’ll provide you with personalized service, complete transparency
  • Community Bank of Marshall
  • 811 W. College St, Marshall, MO, 65340
  • Community Bank of Marshall, Missouri, was chartered in 1977 and opened for business in 1978. TO SERVE THE FINANCIAL NEEDS OF OUR COMMUNITY, ITS BUSINESSES AND ITS CITIZENS is our Mission Statement and it is my responsibility to make certain that the staff of the bank continues to achieve this goal.
  • Northwestern Bank
  • 4 North Main Street, Dilworth, MN, 56529
  • Northwestern Bank is a fourth generation, family owned and operated bank serving Dilworth residents the way we’d want to be served. We offer full banking services for businesses, individuals and our agricultural community. Whether you’re looking for a mortgage lender to purchase your first home or a commercial loan, we can assist you.
  • City State Bank
  • 100 NE Jacob St, Grimes, IA, 50111
  • At City State Bank we are proud to be a locally owned, family owned, community bank. And during a time of mergers, acquisitions, and 'bigger is better' philosophy, we like being different. Sure, we have great products, but more importantly, we have the great service that should go with those products.
  • Midwest Heritage Bank
  • 3580 Ep True Pkwy West Des, West Des Moines, IA, 50265
  • At Midwest Heritage, a Hy-Vee company, is a full service financial center offering banking, investments and insurance. We believe that your time is important. That’s why we offer extended business hours, seven days a week at our six in-store Hy-Vee locations. We also offer two branch locations in West Des Moines and Chariton, Iowa.
  • State Savings Bank
  • 4800 Mills Civic Parkway, Suite 100, West Des Moines, IA, 50265
  • The State Savings Bank mission begins with you because without you, there would be no we! We come to work each day for you— to listen to your financial goals, to understand your financial problems, and to offer guidance, advice and solutions that meet your goals. Safety, timeliness, fairness, trust, quality products and services are essential.
  • Independent Mortgage
  • 10430 New York Ave, Suite B, Urbandale, IA, 50322
  • Independent Mortgage is one of Iowa's oldest mortgage banking firms. We have decades of mortgage industry experience that allows us to help you find the loan that is best for your unique situation. Through our main office in Urbandale, Iowa, we can serve the entire State of Iowa.
  • Mortgage Producers
  • 2755 106th St, Urbandale, IA, 50322
  • With over 20 years of helping Iowans find home loans with low interest rates under our belts, our role in your home buying experience is much more than simply finding you the right mortgage. We’re here to help you explore your options, understand each thoroughly, and choose the best option for your future.
  • Omaha FHA Mortgage Lender
  • 2753 99th St, Urbandale, IA, 50322
  • FHA mortgage loans are an attractive mortgage solution for a purchase or refinance because today's FHA mortgage rates are near historic lows. The guidelines are also flexible allowing more people to qualify. Whether you have had credit issues in the past or are simply looking to limit your down payment to 3.5%,
  • Priority Federal Credit Union
  • 430 N Hampton, Russellville, AR, 72802
  • Priority Federal Credit Union was originally founded on September 28, 1967 as Pope County Educators Federal Credit Union with the idea of serving Pope County Schools and Arkansas Tech University. Through constant growth, we have added participating groups throughout the region
  • Boone Bank & Trust Co.
  • 716 8th St, Boone, IA, 50036
  • Boone Bank & Trust Co. is owned by Ames National Corporation (ANC) and is the largest locally owned bank in Boone County. The bank first began in 1883 making us one of the oldest banks within the ANC organization. In 1883 the bank was organized under the name of Boone County Bank. The bank operated until 1911 when it was sold.