USDA and FHA Pro and Con in Arcata, Humboldt County, CA
In the year 2026, the USDA loan cap for Arcata in the county of Humboldt, CA is set at $400,000. On the other hand, the FHA limit for a single-family property is $472,030.
Leverage the Lendersa® USDA loan calculator to pit today's USDA rates against FHA rates and discern the income, credit score, reserves, and documentation necessary for qualification. By using our intricate mortgage calculator, observe USDA, FHA, Conforming, and VA programs side by side, aiding you in choosing a suitable program in for your unique financial circumstances.
2026 Loan Caps and Down Payment Criteria in Arcata, Humboldt, CA
Loan Type
Maximum Loan Limit
Down Payment
USDA
$400,000
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Arcata, CA
The mission at Lendersa® is to swiftly and effortlessly secure the optimal USDA or FHA loan for you. Choose from one of three beginning avenues, which align with matching lenders and USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or mortgage, is endorsed by the Department of Agriculture and is accessible exclusively in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, there is no down payment required for the USDA mortgage.
35871 Mound Road, Ste. 201, Sterling Heights, MI, 48310
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38219 Mound Rd, Suite 201, Sterling Heights, MI, 48310
At JBG Mortgage we’re mortgage nerds, but we know that you may not be, so our team is here for you should any questions arise about your mortgage because we want you to feel confident and excited about this next journey of your life. Your experience is the #1 priority in our office which is why every loan is handled with experienced Loan Officers.
38219 Mound Rd, Suite 201, Sterling Heights, MI, 48310
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38219 Mound Rd, Suite 201, Sterling Heights, MI, 48310
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Michigan Legacy Credit Union, formerly known as Affinity Group Credit Union is a member owned, not-for-profit financial cooperative serving members who live, work, worship, attend school, or own a business in the State of Michigan. Michigan Legacy Credit Union is committed to providing quality financial services
