FHA VS Conventional loan programs in 2025 for Sonoma, Sonoma County, California

The Conventional loan cap for a single-family dwelling in Sonoma, located in Sonoma county of CA, is $861,350 in 2025, while the FHA limit is $861,350.

Utilize the Lendersa® Conventional loan calculator for a comparative look at today's best Conventional, FHA, and USDA rates. Assess the necessary income, creditworthiness, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator compares Conforming Conventional, USDA, FHA, and VA loans side-by-side, assisting you in selecting the most suitable program for your financial needs in CA.

Access loan offers from a network of 100 lenders

Loan limits and down payment criteria in Sonoma, Sonoma of CA, 2025

Loan Category Available Limit Initial Payment Rate
Conventional Conforming $861,350 3%
USDA $763,200 0%
FHA $861,350 3.5%

Applicable comparison for zip codes: 95476

Exploring Conventional and FHA loans in Sonoma, CA

Our objective at Lendersa® is to swiftly secure you the most advantageous Conventional, USDA, or FHA loan without any hassle. Start with one of three pathways leading to matching lenders and loan schemes.

Lendersa USDA loan request and matching results


  • STCU
  • 1620 N. Signal Drive, Liberty Lake, WA, 99019
  • STCU has grown to 600-plus employees, serving more than 170, 000 members at 21 branch locations with $2.6 billion in assets. Although STCU has become the Inland Northwest's largest and most successful credit union, we've never forgotten that our most valuable assets are our members.
  • BEELINE MORTGAGE, LLC
  • 1421 N Meadowwood Lane, Suite 71, Liberty Lake, WA, 99019
  • We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
  • Independent Mortgage Advisors, LLC
  • 1698 East Adelante Way, Queen Creek, AZ, 85140
  • Independent Mortgage Advisors originates all types of residential loans in Arizona & California, and was created using a client- focused model- NO fee options, great rates, exceptional service, and above all, the integrity to ALWAYS put the best interest of the client first. We are there for our clients every step of the way
  • House Loans Mortgage Services Corp.
  • 38058 N Dena Dr, Suite 4427, San Tan Valley, AZ, 85140
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • Driven Lending LLC
  • 39701 N. Country Ln, San Tan Valley, AZ, 85140
  • Driven Lending is an Arizona-Based company, established in 2019. At Driven, we believe that the process of purchasing or refinancing a home should be one of the most rewarding experiences of your life and we are taking a stand against the transactional nature of the process by making it fun and enjoyable.
  • The Mortgage Warehouse
  • 13617 East 14th Court, Spokane, WA, 99216
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you
  • The Private Money Store Inc.
  • 9116 E Sprague Ave, Suite 285, Spokane, WA, 99216
  • The Private Money Store Inc. is a leading provider of private money real estate loans in the Pacific Northwest for business or commercial purposes secured by non-owner occupied investment property, Spec Construction and Vacant Land With over 35 years of private lending consulting and real estate investment experience
  • Hard Money, LLC
  • 4333 S Avenida De Angeles, Gold Canyon, AZ, 85118
  • Arizona's HARD MONEY, LLC makes DIRECT, private bridge loans. Call/e-mail/text now to get a quick answer. Loans can be funded in as little as 5 business days; our customers come 1st. We specialize in rehab/flip loans with advances of 60-70% of the "after repaired" value. Your loan will be secured by a first trust deed on real estate.
  • A&B Mortgage, Inc
  • 9505 N. Division Street, Suite 104, Spokane, WA, 99218
  • A&B Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage option.
  • First American Credit Union
  • 1001 North Pinal Ave, Casa Grande, AZ, 85122
  • Our mission is to create financial independence, promote diversity and assist hard-working families. First American Credit Union is a community oriented, non-profit financial institution. Our members and employees are people like you who live and work in Southwest Arizona and areas of New Mexico.
  • Amanda Williams Mortgage Company
  • 1664 E Florence Blvd, Suite 4-106, Casa Grande, AZ, 85122
  • Our mission is to help our clients purchase or refinance their dream home with a high level of service. We strive to earn your business and build a long-lasting relationship. 15 years in the lending field Experts in credit repair at no charge to you Specializing in hard to do loans Your loan is our priority Arizona lender for two decades