Explore the differences! FHA VS Conventional loan programs in Walnut-Creek, Contra Costa County, California

In 2026, the Conventional loan limit in Walnut-Creek, within the county of Contra Costa, CA, is $970,800. Meanwhile, the FHA limit for single-family homes is $970,800.

Lendersa's Conventional loan rate today
loan calculator comparison

With the Lendersa® Conventional loan calculator, compare today's best rates: Conventional, FHA, and USDA. Determine the necessary income, credit, reserves, and documents for qualification. This advanced tool lets you view Conforming Conventional, USDA, FHA, and VA loans side by side, helping you find the best program in CA for your specific financial needs.

Explore offers from 100 lenders

Loan limits and down payment requirements for 2026 in Walnut-Creek, Contra Costa county, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This comparison applies to these zip codes: 94596, 94597, 94595, 94598

Conventional and FHA loan opportunities in Walnut-Creek, CA

Lendersa® aims to secure the best Conventional, USDA, or FHA loan for you quickly and effortlessly. Choose one of three pathways to find matching loan programs and lenders.

  1. Submit a comprehensive request for loan optimization: Conventional, USDA, or FHA
  2. Uncover USDA, FHA, and Conventional rates & terms first
  3. Dive into the extensive directory of Conventional lenders
Results from Lendersa's USDA loan requests



  • Pacific Coast Mortgage Group Inc.
  • 136 Bridge Street, Suite B, Arroyo Grande, CA, 93420

  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.Today's technology is providing a more productive environment to work in. You may also evaluate your different financing options

  • Mariner Mortgage Inc.
  • 701 East Grand Ave., Arroyo Grande, CA, 93420

  • At Mariner Mortgage Inc., We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. We are a full-service mortgage company based in Arroyo Grande, California. We specialize in FHA Loans, VA Loans, Reverse Home Loans, and conventional home Loans in Arroyo Grande.

  • CoastHills Credit Union
  • PO Box 8000, Santa Maria, CA, 93456

  • CoastHills currently serves more than 70, 000 members in Northern Santa Barbara County and San Luis Obispo County with 11 branches and a full-service local call center. With assets of more than $1.3 billion, CoastHills is the second largest independently owned financial institution on the Central Coast.

  • New America Realty
  • 1750 S Broadway, Suite J, Santa Maria, CA, 93454

  • New America Realty is a local and friendly real estate company that specializes in real estate purchase and sales, loans, property management and finance. With great experience as a Santa Maria Realtor and as a Realtor servicing all areas in Santa Barbara County, CA such as Lompoc, Guadalupe, Santa Barbara, San Luis Obispo, and Arroyo Grande.

  • Greater Mortgage Solutions
  • 124 W. Main St, Suite A, Santa Maria, CA, 93454

  • We have been serving the Central Coast for over 10 years. We were here before the market crash and have been here since. We help clients get qualified for a home loan. Whether they be first time home buyers or investors. We do loans from FHA to VA as well as conventional loans. We can do loans that big banks cannot do give us a call

  • Paul Blanco and Associates Inc.
  • 1619 South Broadway, Santa Maria, CA, 93454

  • PB & Associates strives to bring the best possible experience as well as exposure and are active members of their local and state real estate MLS associations. In addition, our website is linked nationally and provides a simplified approach to guide our clients through the home selling and buying processes.

  • Northern Redwood FCU
  • 1270 Giuntoli Lane, Arcata, CA, 95521

  • Northern Redwood Federal CU is a local boutique credit union that has been serving the community for over 60 years. We are a service oriented credit union that offers the same great services as the larger financial institutions. We pride ourselves on knowing our members on a personal level

  • Bailey Mortgage Enterprises Inc
  • 934 H St, Arcata, CA, 95521

  • At Bailey Mortgage, our mission is to set a high standard in the mortgage industry. We are a local, family owned and operated mortgage brokerage firm with over 30 years experience. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by calling

  • ReProp Financial
  • 735 4th street, Eureka, CA, 95501

  • ReProp Financial is a small balance commercial lender lending in CA, OR, WA, ID, AZ, and TX. We lend up to $2.5MM and offer both interest only bridge and 15 year fully amortizing loan products. We are a direct lender and service everything in-house. Our average time to close is about 10 days but can close more quickly if needed.


  • Redwood Capital Bank
  • 402 G Street, Eureka, CA, 95501

  • At Redwood Capital Bank, it is important to keep local dollars working at home. Nearly every dollar that is deposited at Redwood Capital Bank goes right back into the local economy. Deposits are reinvested in the form of loans to individuals, families and businesses, helping small businesses grow, providing new homes and a better quality of life.

  • Compass Community Credit Union
  • 321 Wabash Avenue, Eureka, CA, 95501

  • California State Employees No. 20 Credit Union was formed in January of 1951. The credit union was formed by a group of professors and employees of Humboldt State College. They formed the credit union with a desire to assist each other with reasonably priced loans and a good return on their savings.

  • Coast Central Credit Union
  • 2650 Harrison Avenue, Eureka, CA, 95501

  • At Coast Central, we make banking easy, with access to your finances – anytime. With a network of over 30,000 free ATMs nationwide, the latest digital banking solutions, and 11 convenient Member Services Branches, one open Monday through Saturday and another open 7 days a week and evenings, control your funds from anywhere you happen to be.
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