USDA Loan Vs. FHA loan pro & con for Berkeley, Alameda County, CA

In 2025, USDA loan limit in Berkeley, county of Alameda, CA is $776,600 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Berkeley, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(304) 232-9840 2220 miles Lender's profile and map Reviews Teamsters Local 697 FCU 901 Market Street, Wheeling, WV, 26003 Teamsters Local 697 Federal Credit Union has been open since 1972. The credit union has assets totaling $3.14 Million and provides banking services to more than 500 members as of March 2022. The credit union is religious, or fraternal, or low-income associational credit union. Membership is also open to immediate family of current members.
(304) 243-0499 2220 miles Lender's profile and map Reviews OCPS Federal Credit Union 280 Fulton Street, Wheeling, WV, 26003 OCPS Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the OCPS Federal Credit Union will continue a sound yet progressive asset management strategy
(724) 588-5420 2220 miles Lender's profile and map Reviews Greenville Savings Bank 233 Main Street, Greenville, PA, 16125 Greenville Savings Bank has remained firmly rooted in the community since 1911. For over 100 years, we experienced prosperity and growth due to the trust and support of the residents we serve. We take pride in recognizing that we continue to be directed and managed by community people you know.
(724) 588-6119 2220 miles Lender's profile and map Reviews Bessemer System FCU 106 Woodfield Drive, Greenville, PA, 16125 Bessemer System FCU was formed in 1943 by employees of the Bessemer & Lake Erie Railroad, with headquarters in Greenville PA. In 1982, the members of the Pittsburgh office credit union merged into our credit union. We opened our membership to outside groups in 1988. On August 1, 2000, the former Greenville Area FCU merged into our credit union.
(229) 226-3300 2221 miles Lender's profile and map Reviews Thomasville National Bank PO Box 1999, Thomasville, GA, 31799 Thomasville Bank is to operate a sound and profitable company while serving the banking needs of the Thomasville/Thomas County community. We will strive to protect our customers deposits, meet their credit needs, & promote economic development throughout the community, while consistently generating strong returns on our shareholders' investment.
(229) 226-3221 2221 miles Lender's profile and map Reviews TC Federal Bank. 131 South Dawson Street, Thomasville, GA, 31799 TC Federal Bank provides a premium banking experience built on a rich history and a long-standing Tradition of Trust. Our employees know, own and live by our company culture every day. This is articulated through our core values, which support our mission and shape our vision describe what we do and express how we serve.
(800) 971-4671 2222 miles Lender's profile and map Reviews First Community Bank California 101 Sanders Lane, Bluefield, VA, 24605 First Community Bankshares, Inc.(Opens in a new Window), a financial holding company, is headquartered in Bluefield, Virginia, and provides banking products and services through its wholly owned subsidiary First Community Bank. With roots dating back to 1874, we have a rich history of community and customer involvement.
(814) 474-2283 2222 miles Lender's profile and map Reviews PHB Employees Federal Credit Union 7773 West Ridge Road, Fairview, PA, 16415 PHB Employees Federal Credit Union has been providing the products and services needed by its members for their financial security since 1949. Savings products, fee-free checking accounts, ATM and debit cards, direct deposit, payroll deduction, equity loans, auto loans, personal loans for the added expense of new babies or education.
(304) 877-5404 2222 miles Lender's profile and map Reviews Fayette Federal Credit Union 6058 Robert C Byrd Drive, Mount Hope, WV, 25880 Fayette Federal Credit Union is a member owned organization whose mission is to meet the needs of all of our members by providing quality, personalized service while maintaining financial stability. We seek to provide ultimate member satisfaction in an ethical and financially sound manner.
(864) 531-0003 2222 miles Lender's profile and map Reviews Secured Advantage Federal Credit Union 116 NE Main Street, Simpsonville, SC, 29681 Secured Advantage Federal Credit Union was first organized in 1959 by a group of Cryovac employees. In 1998, when the brand packaging solutions company was acquired by Sealed Air Corp, the credit union expanded to serve the larger multinational corporation specializing in food care, product protection and healthcare solutions.
(864) 263-7788 2222 miles Lender's profile and map Reviews SC Home Loans 124 Creek Shoals Dr, Simpsonville, SC, 29681 SC Home Loans is a local, family owned company with a mission to serve our community. We believe the rates and fees offered by banks and other financial institutions can be excessive. Our desire is to help you navigate the complexity of today's mortgages, because we understand the needs of South Carolina families.