USDA VS FHA in Auburn-Lake-Trails, El Dorado County, CA

In 2025, the USDA loan limit for Auburn-Lake-Trails in El Dorado county, CA, is $478,400. For a single-family home, the FHA limit is set at $598,000.

Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side to assist in identifying the best program for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Auburn-Lake-Trails, El Dorado, CA

Loan Type Loan Limit Down Payment
USDA $478,400 0%
FHA $598,000 3.5%
Conventional Conforming $598,000 3%

USDA and FHA Loan Options in Auburn-Lake-Trails, CA

Lendersa®'s aim is to secure you the best USDA or FHA loan quickly and smoothly. Choose one of three starting approaches to match with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

The USDA home loan, fully backed by the U.S. Department of Agriculture, is available under the USDA rural development loan or USDA mortgage name. It is meant for rural areas exclusively, unlike FHA loans, which require a minimum 3.5% down payment. USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • C2 Financial Corporation Port Richey
  • 6710 Embassy Blvd, Suite 202, Port Richey, FL, 34668
  • C2 Financial Corporation is one of the nation’s largest mortgage brokers, home to over 700 loan originators. We have been ranked a Top 50 Mortgage Lender in the Scotsman Guide and employ several of Scotsman’s Top 500 loan originators in the country. In addition, we were recently ranked in the Top 20 Best Companies to Work
  • Flagler Mortgages Inc
  • 8601 Old Post Road, Port Richey, FL, 34668
  • The principle of this company has been in the Mortgage Industry for over 40 Years. We specialize in placing mortgages for self employed and people with minimal credit. Flagler Mortgages is a Full service mortgage broker. Programs available to suit all needs and profiles including FHA and VA. When the bank says no, call us.
  • ANE Lending LLC
  • 13475 Atlantic Blvd Ste 8, Jacksonville, FL, 32225
  • TheFloridaMortgageCenter.com is the online portal for Steve Verrier in Palm Coast, FL. Steve Verrier is a Licensed Mortgage Loan Originator sponsored by ANE Lending, The Loan Lifeguard team headquartered in Ponte Vedra, FL. We offer only the highest quality mortgage products for your needs at competitive rates in all of Florida.
  • Carolina Equity Services
  • 1111 Pemberton Hill, Suite 101, Apex, NC, 27502
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • GoPrime Mortgage
  • 320 N. Salem, Suite 300, Apex, NC, 27502
  • Our mission since opening in 2005 has always been to connect our customers with the optimal home loan and help create a smooth path to homeownership. We deliver those loans everyday with a personalized experience that meets the unique needs of each borrower and their financial goals.
  • Carolina Equity Services Inc
  • 1111 Pemberton Hill Road, Suite 101, Apex, NC, 27502
  • We have a team of mortgage experts who are ready to help you navigate this important financial commitment. We have closed over 28, 000 mortgage loans for North Carolina homeowners and Lowest rates & closing costs in the Triangle and throughout NC. Jodie Disbro Mortgage Broker with a demonstrated history of working in the real estate industry.
  • GoPrime
  • 320 N. Salem, Suite 300, Apex, NC, 27502
  • GoPrime Mortgage, Inc. is an award-winning, veteran-owned and operated mortgage company with a simple goal: to provide our clients with a path to homeownership and make a positive impact in our community. We make sure the path to homeownership is guided by someone who knows the way
  • MSB Home Loans Inc.
  • 17715 Fancy Lane, Hudson, FL, 34667
  • Matthew Bouchard President Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice