FHA VS Conventional loan in Santa-Monica, Los Angeles County, California

In 2025, Convetional loan limit in Santa-Monica, county of Los Angeles, CA is $970,800 while FHA limit is $970,800 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 Santa-Monica, county of Los Angeles, CA

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

The comparison table applies to zip codes: 90401, 90402, 90403, 90404, 90405, 90406, 90407, 90408, 90409, 90410, 90411

Conventional and FHA loan options in Santa-Monica, 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


  • LendRight Mortgage
  • 1447 East Annie Lace Way, Draper, UT, 84020
  • At LendRight Mortgage! My name is Rodney Rex, the owner and principal lending manager. I won’t bore you with facts about my 17-year history in this business. We are based in Draper, UT. We have shifted our workforce completely to remote work. If you need to send any physical mail correspondence, broker checks, etc.
  • Altius Mortgage
  • 11925 S 700 E, Draper, UT, 84020
  • Altius Mortgage is dedicated to making your home loan process quick and easy. We help our clients apply and be approved for Utah mortgages, no matter what their credit or financial history looks like. Outside of exceptional rates and service, we also have the ability for you to track the progress of your home mortgage loan, all online.
  • Compass Lending Solutions
  • 12012 S 700 E, Draper, UT, 84020
  • Compass Lending Solutions. I have learned from the cycles and trends in the mortgage industry that you cannot trust much of what you hear. You have to find a trusted advisor, who will spend the time to determine your long term needs and provide safe and effective solutions that will be the most beneficial to you and your family.
  • Affinity Alliance Mortgage & Real Estate
  • 12095 S Milona Dr, Draper, UT, 84020
  • Affinity Alliance Mortgage & Real Estate We are a local mortgage and real estate company based out of Draper, UT. Established in 2001, we have had years of experience in the market working with clients of all backgrounds. We have developed a business purely centered around our clients needs and visions and are passionate about helping others.
  • Diversified Financial Services, Inc
  • 11639 South 700 East, Suite 200, Draper, UT, 84020
  • Diversified Financial Services, Inc. Specializes in Mortgage Loans, Home Improvement Financing and Consulting owned Mortgage Company serving the western United States. We hire mortgage professionals that understand the unique challenges of the mortgage market, especially during these unprecedented times.
  • Olympus Funding
  • 11576 So. State St, Suite 202, Draper, UT, 84020
  • Olympus Funding is an aggressive advocate of consumer rights recognizing that honesty and integrity formulates the basis of great customer service.We sincerely believe we are "Your Mortgage Solution". We value our customer's privacy & strive to understand their needs so that we may fully assist them in achieving their mortgage financial objectives.
  • Simple Mortgage, LLC
  • 11576 S. State Street, Suite 102-B, Draper, UT, 84020
  • Simple Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • City Creek Mortgage
  • 11910 South State St, Suite 100, Draper, UT, 84020
  • The words ‘Trusted, Respected and Loved’ are more than just a tagline. Like a feeling that runs deep within your soul that cannot be verbalized, these words are tattooed on the heart of this company. They are words that can only be felt through the limbic part of your brain, which means they are unexplainable.
  • Luneta Home Loans LLC
  • 2100 Pleasant Grove Blvd, Suite 160, Pleasant Grove, UT, 84062
  • Our Mission is to Prioritize Education and Transparency for not only consumers, but also for employees and Realtors. We believe that providing the Best Rates, Best Service, and the Best Home Loan will result in Happy Clients for life who refer their friends and family! We are mortgage brokers, and we work for you – not the bank.
  • Creekside Mortgage
  • 1982 West Pleasant Grove Blvd, Suite K, Pleasant Grove, UT, 84062
  • Creekside Mortgage 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.
  • Hercules First Federal Credit Union
  • 3141 West 4700 South, Salt Lake City, UT, 84129
  • Since 1946 Hercules First Federal Credit Union has endeavored to improve the lives of our members and neighbors in our community by offering high quality financial services. Our Credit Union was started and directed by hard working individuals who worked at the Hercules Bacchus Works in western Salt Lake County.