USDA Vs. FHA Pro and Con comparison in Atwater, Merced County, CA
For the year 2026, the USDA lending cap in Atwater, located in the county of Merced, CA, is set at $341,900. Meanwhile, the FHA limit for single-family homes stands at $472,030.
Utilize the Lendersa® USDA loan calculator to effectively compare the best available rates between USDA and FHA loans. Determine the necessary income, credit, reserves, and documentation to qualify. With our advanced tool, you'll effortlessly view USDA, FHA, Conforming, and VA plans side by side, helping you select the most suitable program for your financial situation in areas like Alabama.
2026 Loan Limits and Down Payment Requirements in Atwater, Merced, CA
Loan Type
Loan Limit
Down Payment
USDA
$341,900
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Options in Atwater, CA
The aim of Lendersa® is to facilitate finding the best USDA or FHA loan quickly and without any hassle. Begin with one of three methods that match lenders and USDA loan solutions.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is available specifically for rural areas. While FHA loans require at least a 3.5% down payment, USDA mortgage loans do not necessitate any down payment.
Self Reliance Baltimore Federal Credit Union was chartered on September 12, 1955 by dedicated volunteers who arrived in the United States after World War II. These immigrants integrated into established Ukrainian communities & in the early 1950’s founded the Self Reliance Association & started forming credit unions for people of Ukrainian descent.
At Howard Bank, business is always personal. It’s the difference between a good Banker and an exceptional one. We believe that outstanding service doesn’t come from a set of guidelines. It comes from understanding the connection you have with the people you serve. This is about building dreams and legacies.
Whether you’re looking to buy, build or refinance your home, our experienced mortgage professionals are here to help. Here at Preferred Home Loans, we offer a variety of loan options that can help you achieve home ownership with the speed and service you deserve. Plus, our mortgage professionals are dedicated to finding the right loan.
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