FHA VS Conventional loan in Sonora, Tuolumne County, California

In 2025, Convetional loan limit in Sonora, county of Tuolumne, CA is $726,200 while FHA limit is $472,030 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 Sonora, county of Tuolumne, CA

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 95370

Conventional and FHA loan options in Sonora, 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


  • Iron Oak Home Loans, Inc.
  • 4000 Executive Pkwy #160, San Ramon, CA, 94583
  • Iron Oak Home Loans, Inc. is a full-service portfolio, private money lender, and servicing company. We originate and fund first mortgages on owner occupied and income producing non-owner occupied single family and multi-residential properties. We specialize in purchase money residential fix and flip properties.
  • Jigsaw Investment Partners
  • 4000 Executive Pkwy, Suite 160, San Ramon, CA, 94583
  • "Jigsaw Investment Partners was created to provide first in class Real Estate solutions for investors looking to invest in California Real Estate and Borrowers looking to fund their projects.​ Whether you are looking to borrow or invest money we can provide a solution that fits your needs.​"
  • Park Place Mortgage
  • 418 Pollasky, Clovis, CA, 93612
  • Park Place Mortgage helping our clients, its simple. We want to make real estate personal again. We want to make something that can be stressful and complicated, easy and streamlined. We are local. We live locally, we shop locally, we support local. We make this area our home. We know this market inside and out and are excited.
  • All Access Mortgage
  • 96 Shaw Avenue, Suite 205, Clovis, CA, 93612
  • 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.
  • Mission Mortgage & Realty
  • 2700 Clovis Ave. Suite 108, Clovis, CA, 93612
  • At Mission Mortgage and Realty we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
  • United Local Credit Union
  • 3650 E Ashlan Ave, Fresno, CA, 93726
  • United Local Credit Union is a cooperative corporation owned and operated by you, the members, for the benefit of all who belong. Formed in 1953, the purpose of the Credit Union is to encourage thrift and security and to provide a unique savings and lending service to its members. It offers credit at low rates
  • 101 Loan - Specialists in Residential, Commercial and Reverse Mortgage Financing
  • 6020 Hellyer Ave, Suite 150, San Jose, CA, 95138
  • 101 LOAN, A SAN JOSE MORTGAGE COMPANY With over 30 years of experience in residential and commercial lending, 101 Loan has the experience, product offerings and the staff needed to close financing in today’s fluid economy time in an efficient manner. While many of our competitors have gone out of business due to the changing economy.
  • Optima Home Mortgage
  • 6090 Hellyer Avenue, Suite 175, San Jose, CA, 95138
  • Our 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.
  • D&F Properties
  • 5000 Birkdale Way, San Jose, CA, 95138
  • D&F Properties was established in 1984 as an independent brokerage. In 2000 DeFaria Realty & Investments was added to help the financing needs of our clients. We live, play and work in Santa Clara County. Diane LoVerde, owner of D&F Properties/DeFaria Realty & Investments specializes in real estate sales and loan sales.
  • CTC Financial, Inc.
  • 1000 N Carson Street, Carson City, NV, 89701
  • CTC Financial, Inc. has been in business since 2002 and serves all parts of California and Nevada. We work with Realtors, Builders, Financial Planners and previous customers. Our commitment to a high level of service, along with a wide range of loan products, is what sets us apart.
  • Greater Nevada Mortgage
  • 4070 Silver Sage Dr, Carson City, NV, 89701
  • Greater Nevada Mortgage (GNM) provides home loans in both Nevada and California to assist a variety of borrowers, from investors to first-time homebuyers. GNM services many home loans locally for Nevadans, as well as borrowers in California. Founded in the Sierra Nevada region in 2001.
  • Chevron Federal Credit Union
  • 2300 Clayton Road, Suite 700, Concord, CA, 94520
  • Chevron Federal Credit Union, established in 1935, is a financially sound and growing organization providing home, auto, and personal loans, checking and savings accounts, top-tier rates, and personalized service to over 130,000 members around the world. We are proud to be a company built by members for members. Headquartered in Oakland, California