Explore the differences! FHA VS Conventional loan programs in Torrance, Los Angeles County, California

In 2026, the loan limit for Conventional loans in Torrance, within Los Angeles County, CA is $1,089,300. Meanwhile, the FHA limit for a single-family home stands at $1,089,300.

Utilize the Lendersa® Conventional loan calculator to compare current rates across Conventional, FHA, and USDA loans, and determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage tool allows you to view Conforming Conventional, USDA, FHA, and VA loans side-by-side, guiding you to the most suitable program in CA for your financial situation.

Explore loan offers from 100 different lenders

2026 loan limits and down payment requirements in Torrance, Los Angeles County, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This comparison table is valid for zip codes: 90277

Options for Conventional and FHA loans in Torrance, CA

The goal of Lendersa® is to help you quickly secure the best possible Conventional, USDA, or FHA loan without hassle. Choose one of the three starting points which lead to appropriate lenders and loan programs.

Results of USDA loan requests and matching with Lendersa


Torrance Lenders

  • South Bay Credit Union
  • 312 N Pacific Coast Hwy, Redondo Beach, CA, 90277
  • Lends in California
  • For the long version we have to go back to 1953, the year we first opened our doors. It was a year that started with Harry Truman in the Oval Office and Joseph Stalin ruling the USSR in Moscow. If you’re like some of our youngest members (Jessie, age 8, whose mom recently opened a savings account for her) that might as well be “ancient times.

  • King Harbor Wealth Management
  • 1801 South Catalina Avenue, Suite 305, Redondo Beach, CA, 90277
  • Lends in California
  • "King Harbor is a boutique wealth management business. We are a South Bay based financial advisor with wealth management offices in Redondo Beach and Palos Verdes. Our principal has over 20 years of institutional investment experience.
    We cater to those seeking a long-term relationship and who value expertise with a disciplined,"

  • cbloans.com
  • 116 South Catalina Avenue, Suite 111, Redondo Beach, CA, 90277
  • Lends in California
  • CB Loans is a reputable Mortgage Broker in California. If you are looking for a professional mortgage broker who knows the ins-and-outs of the loan industry and who will look out for your best interest, look no further. With over 35+ years in the loan industry, CB Loans has been able to help existing homeowners, new home buyers and business people.

  • South Bay Equity Lending
  • 1611 South Pacific Coast Highway, Suite 102, Redondo Beach, CA, 90277
  • Lends in California
  • South Bay Equity Lending (SBEL) was established in 1998. In 2001, Matthew Hadnett, a former Wells Fargo executive, joined the organization. Matthew has managed SBEL since 2001 and is also the principal. The headquarters are located in the Riviera Village, Redondo Beach. SBEL is both a mortgage broker and a mortgage banker.

  • Riviera Funding
  • 1801 South Catalina Avenue, Suite 201, Redondo Beach, CA, 90277
  • Lends in California
  • Our goal at Riviera Funding is to be the “lender for life” for every one of our clients. Additionally, we expect to continue our growth as a company through the referrals of every one of our past (and current) clients. We have been successful with this philosophy in the past & expect to continue to be successful with this philosophy in the future.

  • Professional Lending Network
  • 1711 Via El Prado, Suite 103-B, Redondo Beach, CA, 90277
  • Lends in California
  • Professional Lending Network is a full-service brokerage for wholesale mortgages. It specializes in single family residences as well as units.With over 15 years of experience as a mortgage broker, real estate broker, and estate planning lawyer, Gregory is uniquely positioned to help his clients with a wide variety of matters.

  • Vista Loans
  • 1402 Esplanade, Suite 1, Redondo Beach, CA, 90277
  • Lends in California
  • You will work with a team that has 57 years of combined mortgage industry experience. Vista Loans uses the latest comparative analysis software which allows us to research and compare hundreds of loan programs & rates to find the best options to meet your needs. Your satisfaction is our Top Priority! Most Important to Us is Customers Satisfaction.

  • Union Investments & Loan Corp.
  • 3820 Del Amo Blvd, Suite 226, Torrance, CA, 90503
  • Lends in California
  • UIAL is founded and managed by Al Tabrizi since 2008. With over 25 years of experience in real estate, real estate development, mortgage banking, equity investments, Union Investments' management and its partners are offering investors opportunities created by the current economy to generate high yield returns.

  • Bridgeway Capital Group
  • 18436 Hawthorne Blvd, Suite 101, Torrance, CA, 90503
  • Lends in California
  • Whether you are looking for bridge and hard money loans, SBA financing, hotel financing, business loans, or any other type of commercial lending product, turn to us at Bridgeway Capital Group. We are a nationally recognized leader in the commercial finance industry and look forward to helping you with all of your funding needs.

  • Family 1st Mortgage
  • 21250 Hawthorne Boulevard, Suite 700, Torrance, CA, 90503
  • Lends in California
  • Family 1st Mortgage always a good time to purchase your very first home, securing your part of the American Dream. Interest rates are at an all time low Pre-qualify today for free and also Family 1st Mortgage Specialties in fha loan, VA loan,CONVENTIONAL LOANS, USDA LOAN REVERSE MORTGAGE and more facility.