FHA VS Conventional loan programs in 2026 for Vacaville, Solano County, California

In 2026, the conventional loan limit in Vacaville, county of Solano, CA is $726,200, while the FHA limit for a single-family home stands at $685,400.

Take advantage of Lendersa®'s Conventional loan calculator to assess today's best rates among Conventional, FHA, and USDA loans, helping you determine the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator displays side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, assisting you in selecting the best program in CA for your financial needs.

Explore loan offers from 100 lenders

Loan Limits and Down Payment Requirements for 2026 in Vacaville, Solano, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $491,200 0%
FHA $685,400 3.5%

This applies to the following zip codes: 95687, 95688

Conventional and FHA Loan Options in Vacaville, CA

The goal of Lendersa® is to get you the best possible Conventional, USDA, or FHA loan quickly and without hassle. Select one of three options to connect with matching lenders and loan programs.

Results from Lendersa USDA loan requests


  • Saga Financial Group, Inc.
  • 425 El Pintado Road, Suite 145, Danville, CA, 94526
  • Saga Financial Group, Inc. was founded in 2018 in Danville, CA with the goal of helping people begin, continue, and realize the part of their saga involving home ownership. Whether a first time home buyer, a veteran investor, or someone simply seeking to update their financial situation to meet changing needs.

  • Bay Area Funding Group
  • 313 Sycamore Valley Rd, Danville, CA, 94526
  • 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.

  • Private Mortgage Advisors - Burlingame
  • 390 Diablo Road, Suite 100, Danville, CA, 94526
  • Private Mortgage Advisors has grown quickly to be a top mortgage lender in the Greater San Francisco Bay area. Our mission is to continue to grow our success into one of the largest purchase money mortgage lenders in Northern California, by offering a large lender platform while still providing the customized

  • EQUIDY, Inc.
  • 600 SAN RAMON VALLEY BLVD STE 101, Danville, CA, 94526
  • "At Equidy borrowers are approved instantly and loans are funded by individual investors that are seeking secured investments with high returns (7-14%).

    Any investor can browse dozens of available listings that are qualified by Equidy and appraised to have a minimum of 30% equity as security."

  • Guaranteed Rate
  • 1400 Shattuck Ave Suite 1, Berkeley, CA, 94709
  • Guaranteed Rate trusted local lender familiar with local market dynamics, Dianne Crosby is a Top Producing mortgage lender and Certified Mortgage Planning Specialist at Guaranteed Rate, closing over $100 million annually for her clients in the East Bay. With access to the low interest rates of a large mortgage bank.

  • NonQMHomeLoans.com
  • 7250 Redwood Drive, Suite 300, Novato, CA, 94945
  • NonQMHomeLoans.com is a full-service marketing agency providing the broad spectrum of Conventional & Non-QM Mortgage products.Our knowledgeable team of experts will constantly impress with the first-class service never before experienced in the industry.NonQMHomeLoans.com, our core strengths are the personal touches and unique products we deliver.

  • Private Funds Direct
  • 1555 Grant Avenue, Novato, CA, 94945
  • Kevin Green and Pacific Private Money specialize in supporting funding for real estate investors and borrowers throughout California. I am dedicated to providing fast, friendly, reliable, and no-nonsense service. Pacific Private Money is a member of both the California Mortgage Association and the American Association of Private Lenders.

  • Dryden Capital Inc.
  • 1202 Grant Ave. B-1, NOVATO, CA, 94945
  • Dryden Capital provides Borrowers with fast creative solutions to their financing needs. We are local to the Bay Area but lend throughout California. We make all type of investment loans including Investment properties, Multifamily, Commercial, Rehab, Mixed Use and Construction Loans.

  • Pacific Private Money
  • 1555 Grant Avenue, Novato, CA, 94945
  • In 2008, we identified a need in underserved capital markets left behind in the wake of the financial crisis. Since then, we have grown quickly by serving the expanding market of borrowers who are unable to secure conventional financing, and by specializing in short-term, fast-funding situations.