USDA and FHA Pro and Con in Arcata, Humboldt County, CA
In the year 2025, 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.
2025 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.
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