Sacramento Home Loans
Sacramento is the heart of California’s government and one of the state’s most affordable major metros, drawing professionals from across California who want the homeownership that coastal cities can’t offer. Whether you’re a state or CalPERS employee with a stable career, a healthcare worker at UC Davis Medical Center, or part of the region’s growing tech scene, financing here goes further — Sacramento County’s FHA limit ($764,750) and conforming limit ($832,750) cover the vast majority of homes. From historic Land Park to Midtown to Elk Grove’s top schools, I finance it with 240+ wholesale lenders. NMLS #233747.
Sacramento at a Glance
State Capital
Government, CalPERS, and a stable public-sector workforce
Affordable Major Metro
One of California's most affordable big cities — far below the Bay or LA
Land Park / Midtown / East Sac
Historic, walkable, established charm close to downtown
Elk Grove / Natomas / Folsom
Top schools and newer family developments
Government, UC Davis Med & Tech
Steady public-sector, healthcare, and a growing tech scene
$832,750 Conforming Limit
Sacramento County limits, pulled live from the loan-limits module
Sacramento County conforming limit: $832,750 • FHA: $764,750 • pulled live from the loan-limits module
Today’s Purchase Mortgage Rates
Live pricing from the same daily rate feed shown on our Today’s Rates page. These update automatically each day.
Conventional 30-Year Fixed
Conventional – Primary Residence
FHA 30-Year Fixed
FHA – Primary Residence
VA 30-Year Fixed
VA – Primary Residence
Rate Assumptions
30 year fixed, $300k loan amount, $400k value, purchase, FICO Credit Score 759, Zipcode 95111
APR & Disclosures
The Annual Percentage Rate (APR) shown reflects the cost of credit over the loan term, including applicable fees, and is based on the assumptions above. Your actual rate and APR depend on your credit profile, loan amount, property, occupancy, and other factors. For information purposes only and does not constitute a loan approval or commitment to lend. Rates are subject to change without notice.
Monthly Payment Calculator
Calculate your estimated monthly mortgage payment including taxes and insurance
Sacramento’s property tax runs roughly 1.1–1.25% under Prop 13; the calculator defaults to a CA-appropriate rate. Some newer communities in Natomas, Folsom, and Elk Grove carry Mello-Roos or HOA assessments, which I build into your real all-in payment.
Affordable, stable, and FHA-friendly
Sacramento’s appeal is stability plus affordability: median prices sit well below the Bay Area and Los Angeles, and the local economy runs on steady government employment (state agencies, CalPERS), a major medical anchor (UC Davis Medical Center), and a growing tech scene bringing young professionals. That makes FHA a natural fit, with Sacramento County’s $764,750 FHA limit covering the vast majority of available homes, giving buyers real neighborhood choice on 3.5% down. FHA also stacks with California down-payment assistance (CalHFA MyHome, GSFA) for eligible buyers. For state workers and others with stable W-2 income and good credit, conventional (3% down, removable PMI, up to $832,750) often wins on total cost, and I run the side-by-side comparison so you see which is cheaper for your situation.
Sacramento Neighborhoods & Price Ranges
From historic Land Park and East Sacramento to family-favorite Elk Grove and Folsom, Sacramento spans every price point within conventional and FHA reach. Here are the areas buyers ask about most.
Land Park
$700K–$1.1M
Historic elegance, tree-lined streets, and walkability near the river and downtown — established charm that finances conventional or jumbo.
East Sacramento
$750K–$1.3M
The Fabulous Forties and classic architecture — one of the city’s most sought-after established neighborhoods.
Midtown
$450K–$800K
Walkable, urban, and up-and-coming, with condos and bungalows — strong FHA and conventional territory for young professionals.
Elk Grove
$550K–$800K
Top-rated schools and newer family homes just south of the city — the perennial family favorite, well within conforming reach.
Natomas
$450K–$650K
Newer developments and commuter convenience near I-5 and the airport — accessible pricing where FHA shines.
Folsom
$650K–$1M
Schools, tech-adjacent employment, and lakeside amenities — quality family living, some newer areas carrying Mello-Roos.
Conventional & the neighborhoods
Sacramento’s neighborhoods span every price point within conventional and FHA reach: historic Land Park and East Sacramento (established elegance, tree-lined streets), Midtown (walkable, urban, up-and-coming), Elk Grove (top-rated schools, family favorite), Natomas (newer developments, commuter-friendly), and Folsom (schools, tech-adjacent). Conventional financing covers the vast majority with its superior terms — better rates, removable PMI, and as little as 3% down — and I know how to document the steady government and healthcare income that anchors this market.
VA loans in Sacramento
For eligible veterans, VA offers zero down, no PMI, and no county loan limit with full entitlement, and Sacramento’s affordability plus the region’s veteran-friendly employers (government, Mather-area, healthcare) make it a strong VA market. I count full military and benefit income and handle the process efficiently, including for buyers relocating for state careers.
Jumbo & higher-end
For premium Sacramento properties above the $832,750 conforming limit — upper Folsom, El Dorado Hills-adjacent estates, and larger custom homes — jumbo financing covers the gap, including for complex and self-employed income. Note some newer Sacramento-area communities carry Mello-Roos, which I factor into the true payment.
Mortgage Programs Available in Sacramento
Conventional
As little as 3% down; PMI drops at 20% equity. The $832,750 limit covers the vast majority of Sacramento homes — ideal for stable state and healthcare W-2 income.
FHA
3.5% down, 580+ credit, flexible DTI. The $764,750 Sacramento FHA limit covers most of the market and stacks with CalHFA and GSFA assistance.
VA
Zero down, no PMI, no loan limit with full entitlement — and Sacramento’s affordability plus veteran-friendly government employers make the benefit stretch.
Jumbo
For premium Folsom, El Dorado Hills-adjacent estates, and larger custom homes above the conforming limit — including complex and self-employed income.
Down-Payment Assistance
FHA stacks with California programs like CalHFA MyHome and GSFA Platinum for eligible first-time and moderate-income buyers — I check your eligibility by income and location.
Bank-Statement
For Sacramento’s self-employed and small-business buyers — qualify on deposits rather than tax returns.
Sacramento Mortgage FAQ
What are the 2026 loan limits in Sacramento?+
Why is Sacramento more affordable than the Bay Area or LA?+
Is Sacramento a good market for state and government workers?+
Which loan is better for me in Sacramento, FHA or conventional?+
What down payment assistance is available in Sacramento?+
Which Sacramento neighborhoods are best for families?+
Can I use a VA loan in Sacramento?+
Do you finance homes throughout Sacramento?+
Emmett Clark — NMLS #233747
I shop 240+ wholesale lenders and give you the real all-in number — mortgage, property tax, insurance, and any Mello-Roos or HOA — before you write an offer. A state-worker first home, a UC Davis healthcare purchase, an Elk Grove family home, or a VA buy: it starts with a quick conversation.
Related Reading
All Home Buying guidesPurchase Loans
Explore home purchase loan options and find the right fit for your budget.
GuideFirst-Time Home Buyer
Programs, low-down-payment options, and guidance built for first-time buyers.
GuideDown Payment Assistance
Grants and DPA programs that help you buy with less cash upfront.
GuideMortgage Pre-Approval
Get pre-approved so you can shop with confidence and a stronger offer.
Buying in Sacramento?
Tell me your situation — a state-worker first home, a UC Davis healthcare purchase, an Elk Grove family home, or a VA buy — and I’ll run the FHA-vs-conventional numbers, tell you which fits, and get you pre-approved. Quick response, no obligation.
Get Your Home Loan Quote
Connect with Emmett directly. Quick response, personalized guidance for your Sacramento home purchase.
Why Contact Emmett?
- ✓ Local Sacramento market expertise
- ✓ Access to 240+ wholesale lenders
- ✓ Same-day pre-qualification available
- ✓ No obligation, free consultation