Explore the differences! FHA VS Conventional loan programs in Sparks, Washoe County, Nevada

In 2025, the conventional loan limit in Sparks, Washoe county, NV, is set at $726,200, whereas the FHA limit for a single-family home is $621,000.

Use the Lendersa® calculator to assess today's best rates for Conventional versus FHA versus USDA loans. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows you to view Conforming Conventional, USDA, FHA, and VA loans side by side, aiding your decision on which program in NV fits your financial situation best.

Evaluate loan offers from a wide range of 100 lenders

2025 Loan Limits and Down Payment Requirements in Sparks, Washoe County, NV

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $427,800 0%
FHA $621,000 3.5%

This table applies to the following zip codes: 89436, 89434, 89431, 89432, 89435, 89437

Exploring Conventional and FHA Loan Options in Sparks, NV

The goal at Lendersa® is to swiftly secure the best possible Conventional, USDA, or FHA loan without undue hassle. Begin with one of three starting points to match with lenders and suitable loan programs.

View Lendersa USDA loan request outcomes


  • Advisor Funding Group
  • 3478 Buskirk Avenue, Suite 1001, Pleasant Hill, CA, 94523
  • "We are committed to work with you and find the best alternative financial mortgage product to achieve your goal of homeownership. In these times of uncertainty where trust is an important factor at AFG we strive for excellence and building your trust as our long time client. We have the product, knowledge and right attitude to provide the result
  • Argus Lending
  • 3478 Buskirk Avenue, Suit 262, Pleasant Hill, CA, 94523
  • Argus provide the best lending experience possible, and quick loan processing is our forte. With company wide principles based on customer experience, cutting edge lending software, and efficient lending teams.and also we provide a lending experience hard to find elsewhere in the industry. It takes a great team to build the right loan
  • Avenir Mortgage Planners
  • 3480 Buskirk Ave, Suite 260, Pleasant Hill, CA, 94523
  • Avenir Mortgage Planners is one of the top rated mortgage companies in the San Francisco Bay Area. Our team is made of well-educated and dedicated experts who share one passion: helping others. Our biggest success is the excellent reviews and continuous referrals we receive from our raving fans.
  • JBM Mortgage Inc
  • 4115 Blackhawk Plaza Circle, Suite 100, Danville, CA, 94506
  • As an independent mortgage consultant, Julie McKinney have no ties to in-house products giving you the advantage of access to more options from a broad range of lenders, and objective advice on choosing the best loan to fit your specific financial needs and goals. Julie will be by your side through every step of the process.
  • Premier Mortgage Direct Corp.
  • 430 Kingston Drive, Danville, CA, 94506
  • Premier Mortgage Direct offers the experience and resources of a big box retailer, combined with the expertise and personal touch of a small business and our first step is actually getting to know you. We'll get to know your hopes and dreams, how much you want to spend, and where you want to live. Then we’ll work together to find the mortgage.
  • Mortgij, Inc.
  • 632 Birchwood Court, Danville, CA, 94506
  • We've interviewed hundreds of people that have gone through multiple mortgages and we're addressing issues in regards to filling out forms in an easier way, simplifying the language used, adding further transparency in describing loan estimates and even tackling equal opportunity lending in ways than nobody else has done it before.
  • Compass Mortgage Advisors
  • 3840 Blackhawk Road, Suite 105, Danville, CA, 94506
  • Compass Mortgage Advisors is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of California. Whether you are first time home buyer, purchasing your dream home, Refinancing an outstanding loan, or consolidating debt.
  • Crestline Financial Inc.
  • 320 Arkansas Street, Vallejo, CA, 94590
  • "Crestline Financial Inc The home loan process can be an intimidating one, especially for first time home buyers or those who may have been turned down by other companies. Crestline Financial has a professional and courteous staff who is prepared to assist you through each phase of the lending process."
  • Bullplace Inc.
  • 1990 North California Boulevard, Suite 20, Walnut Creek, CA, 94596
  • Bullplace Inc Our business motto is to offer each client service that is perfectly tailored to their needs.We want to provide a personal touch, something lost in most other present-day companies, that have sacrificed empathy over cutting edge technology We are a residential and commercial loan brokerage, offering mortgage services.
  • MetroCity Capital Group
  • 1990 N California Blvd, 8th Floor, Walnut Creek, CA, 94596
  • MetroCity Realty & MetroCity Capital Group is proud to be the leader in the real estate market in California, practicing an age old but timeless real estate practice in the market. We utilize in-depth understanding of the market you're looking at, and we go beyond traditional real estate agency scopes and evaluate the value of your home.
  • Bay Mountain Mortgage
  • 1200 Mount Diablo Boulevard, Suite 210, Walnut Creek, CA, 94596
  • We are here to serve you as the premiere Brokerage for Real Estate Financing and sales in one place. Established in Walnut Creek, CA in 1994, Bay Mountain provides Financing and Real Estate services throughout California, specializing in the unique San Francisco Bay Area market and financing services throughout the State of Colorado.
  • Easy Low Rate
  • 1801 Oakland Boulevard, Suite 315, Walnut Creek, CA, 94596
  • While the concept of true and solid customer service is not new, it is our purpose and intent to continuously move and adapt within the boundaries of the industry, while providing innovation in the way we offer our service. Our entire team is devoted to our commitment of providing only exceptional service, from our sales team.