Explore the differences! FHA VS Conventional loan programs in Reno, Washoe County, Nevada
In 2026, the allowable limit for a conventional loan in Reno, located within Washoe county, NV, is $726,200. Meanwhile, the FHA loan limit for a single-family home is established at $621,000.
Use the Lendersa® Conventional loan calculator to evaluate current rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents you need for qualification. With our advanced mortgage calculator, you can compare Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide which program best suits your financial circumstances in NV.
Loan Limits and Down Payment Requirements in Reno, Washoe County, NV, for 2026
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$427,800
0%
FHA
$621,000
3.5%
This comparison table is relevant for the following zip codes: 89521
Options for Conventional and FHA Loans in Reno, NV
At Lendersa®, our focus is to secure the best possible Conventional, USDA, or FHA loan for you quickly and without hassle. You can select from one of three starting points to connect with suitable lenders and loan programs.
To help individuals and companies reach their goals by providing services that meet their needs. This will be done by creating win - win situations that promote integrity. We value character and experience and believe that everyone is capable of contributing to the value proposition.
Heritage Bank of Nevada was founded in 1995, in Northern Nevada. Today, we have seven branches focusing on the Northern Nevada area located in Reno, Spanish Springs, Carson City and Carson Valley. Our goal has always been to our community's finest small and mid-sized business bank, and our focus has led to success and profitability.
5250 South Virginia St, Suite 360, Reno, NV, 89502
Lends in Nevada
Our goal is to deliver the very best mortgage options possible for your specific requirements... no matter the circumstances. To learn more, click on the links to the left. and We are committed to maintaining an effective and efficient organization that is open and responsive to the needs.
US Financial is located in Reno, Nevada & has built a strong reputation as an outstanding mortgage company, serving the lending needs of real estate professionals, home builders and helping individuals and families achieve the dream of home ownership throughout Nevada. We understand you have a choice and we want to be your first choice every time.
Great Basin Federal Credit Union has been a member of the community since our charter on January 11, 1951. What began as a 50 member credit union for Reno-Bell Phone Company employees has grown to a community chartered credit union serving over 20, 000 people. Our philosophy of building personable relationships.
Sierra Pacific is a not-for-profit, member-owned financial institution. Combine the technology of a big bank with the trust and service of a local co-op, and you'll have an idea of what to expect from this credit union. They offer sophisticated online and mobile banking with mobile deposit and bill pay options.
Home Wealth Funding is a locally owned and operated mortgage company based in Northern Nevada focused on attention to detail, hard work, leveraging the team, building trust, working smart and learning. In addition we need to have fun, enjoy life, give back and above all, provide customers low interest rates.
150 West Huffaker Lane, Suite 104, Carson City, NV, 89511
Lends in Nevada
Raintree Mortgage is proud to be one of the oldest mortgage brokerages in Nevada. Since its founding in 1989, the company has closed more than half a billion dollars in loan volume. Raintree Mortgage works one-on-one with clients to create custom solutions to fit their unique financial needs.
Utter Mortgage Company is a Nevada-based mortgage company specializing in the long-term financing of commercial real estate projects located in Nevada and the adjacent areas of California. Utter Mortgage Company has placed long-term loans on shopping centers, office buildings, warehouses, mini-warehouses, medical buildings, strip centers.
Working with a mortgage broker gives you options and saves you money. We have numerous sources for investors so finding the best loan with the most affordable terms is exactly what we do! We also have access to mortgage loan products that banks and other lending institutions don't normally offer.
