FHA VS Conventional loan in Sebastopol, Sonoma County, California

In 2025, the Conventional loan limit in Sebastopol, Sonoma county, CA is $861,350. In contrast, the FHA limit for a single-family home is $861,350. These limits are vital as they define the maximum amount prospective buyers can borrow through these programs, thereby influencing their budgeting and purchase plans.

Utilize the Lendersa® Conventional loan calculator to explore today's leading rates among Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage tool provides a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans to help you select the optimal program in CA that suits your financial requirements.

Evaluate loan offers from 100 diverse lenders

Overview of 2025 Loan Limits and Downpayment Requirements in Sebastopol, Sonoma, CA

Loan Type Max Loan Limit Down Payment Required
Conventional Conforming $861,350 3%
USDA $763,200 0%
FHA $861,350 3.5%

This detailed comparison applies to the following zip codes: 95472, 95473, offering localized insights for those specific areas.

Extensive Loan Options: Conventional and FHA in Sebastopol, CA

The mission of Lendersa® is to efficiently match you with the best-suited loan options, be they Conventional, USDA, or FHA. Select from three pathways that guide you to compatible lenders and the appropriate loan programs to meet your financial goals.

Outcomes of Lendersa's USDA loan request and matching process


  • GVC Mortgage, Inc
  • 600 Corporation Dr, Suite 200, Pendleton, IN, 46064
  • GVC Mortgage began with a desire to emphasize the value of home ownership and simplify the home loan process. It is this commitment to homebuyers that allows the company to grow and assist families in the purchase of their dream homes. Since 1996, GVC Mortgage has served over 32,000 borrowers and provided over $4 billion in total funded loans.
  • Vanderbilt University Credit Union
  • 1313 21st Avenue South, Room 107, Nashville, TN, 37212
  • Vanderbilt University Employees Credit Union has been open since 1993. The credit union has assets totaling $49.5 Million and provides banking services to more than 6, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans.
  • Cornerstone Financial Credit Union
  • 1701 21st Avenue South, Nashville, TN, 37212
  • Cornerstone Financial Credit Union was founded in 1955, by a group of visionary educators in Davidson County with a philosophy of people helping people with low-cost financial services. Today, our membership base of more than 40, 000 is a diverse group of individuals comprising all walks of life.
  • First State Bank
  • 708 Azalea Dr, Waynesboro, MS, 39367
  • First State Bank is here to serve all of your financial needs. Our mission is to be a strong independent community bank that provides excellent customer service in an employee friendly environment while striving to maintain stable growth and maximizing earnings and shareholder value.
  • Life Credit Union
  • 2004 Hayes Street, Suite 120, Nashville, TN, 37203
  • Life Credit Union is a financial cooperative that was founded in 1958 in the spirit of people helping people improve their lives through financial health and stability. The cooperative nature of credit unions goes hand-in-hand with the nature of our members. Anyone who works in or with the healthcare industry is welcome to join Life Credit Union!
  • Studio Bank
  • 124 12th Ave. South, Suite 400, Nashville, TN, 37203
  • A studio is a place where creators do their thing. And we want to be the bank for Nashville's creators. Whether you're designing a company or building a project, crafting a song or writing code, orchestrating social change or enhancing the quality of care, we want to collaborate with you.
  • The Tennessee Credit Union
  • 1400 8th Avenue South, Nashville, TN, 37203
  • The Tennessee Credit Union has been helping individuals achieve their financial goals with products and services designed to exceed expectations. We were founded by a small group of dedicated volunteers guided by their commitment to provide each member with the tools & knowledge necessary for personal financial growth and a sound financial future.
  • Christian Poling - Capstar Farmington Mortgage
  • 2002 Richard Jones Rd, Suite 1201, Nashville, TN, 37203
  • Christian Poling is a fifteen-year veteran of the mortgage industry in Nashville. A personable, welcoming approach with clients and their Realtors has earned him a stellar reputation among lenders. His efforts ensure knowledgeable clientele, exceptional loan terms, and a smooth process from the moment of introduction all the way to closing day.
  • Blue Sky Mortgage of TN LLC
  • 3010 Poston Ave, Nashville, TN, 37203
  • Blue Sky Mortgage of TN, LLC is here to walk you through the mortgage loan process, step-by-step. Our team is experienced and knowledgable of the local neighborhoods, schools and market conditions to help navigate you through the selling or buying process. We strive to provide excellent customer service.
  • Ironhorse LLC
  • 150 4th Avenue North, 20th Floor, Nashville, TN, 37219
  • Ironhorse LLC is comprised of former accomplished Bankers, CFO’s & Financial Managers – we have owned businesses & know first-hand how critical it is to have adequate capital to operate and grow a business. We operate Ironhorse with purpose & within a culture of honor to represent our small business customer with integrity and a sense of service.