USDA Vs. FHA your options comparison in Bret-Harte, Stanislaus County, CA
In 2026, if you're looking at loans in Bret-Harte, part of Stanislaus county in CA, you have different options. The USDA loan maximum is $354,100, while for a single-family home, the FHA cap is $396,750.
Lendersa® provides a USDA loan calculator for you to compare the best current rates between USDA and FHA, helping to identify the needed income, credit, reserves, and documentation to qualify. Using our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loan information side by side, making it easier to determine which program fits your financial needs in .
Loan Limits and Down Payment Requirements in Bret-Harte, Stanislaus, CA for 2026
Loan Type
Maximum Loan Amount
Required Down Payment
USDA
$354,100
0%
FHA
$396,750
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Alternatives in Bret-Harte, CA
With Lendersa®, our goal is to promptly assist you in obtaining an optimal USDA or FHA loan, without complications. Choose from three pathways that will help align you with suitable lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage, also known as a USDA rural development loan or USDA mortgage, designed for use in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment at all, making them a more accessible option for many.
Independent Mortgage Advisors originates all types of residential loans in Arizona & California, and was created using a client- focused model- NO fee options, great rates, exceptional service, and above all, the integrity to ALWAYS put the best interest of the client first. We are there for our clients every step of the way
38058 N Dena Dr, Suite 4427, San Tan Valley, AZ, 85140
We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
Driven Lending is an Arizona-Based company, established in 2019. At Driven, we believe that the process of purchasing or refinancing a home should be one of the most rewarding experiences of your life and we are taking a stand against the transactional nature of the process by making it fun and enjoyable.
Arizona's HARD MONEY, LLC makes DIRECT, private bridge loans. Call/e-mail/text now to get a quick answer. Loans can be funded in as little as 5 business days; our customers come 1st. We specialize in rehab/flip loans with advances of 60-70% of the "after repaired" value. Your loan will be secured by a first trust deed on real estate.
Our mission is to create financial independence, promote diversity and assist hard-working families. First American Credit Union is a community oriented, non-profit financial institution. Our members and employees are people like you who live and work in Southwest Arizona and areas of New Mexico.
1664 E Florence Blvd, Suite 4-106, Casa Grande, AZ, 85122
Our mission is to help our clients purchase or refinance their dream home with a high level of service. We strive to earn your business and build a long-lasting relationship. 15 years in the lending field
Experts in credit repair at no charge to you
Specializing in hard to do loans
Your loan is our priority
Arizona lender for two decades
211 N. Florence Street, Suite 102 & 103, Casa Grande, AZ, 85122
AnnieMac Home Mortgage, a d/b/a of American Neighborhood Mortgage Acceptance Company, LLC, is a nationwide mortgage loan provider dedicated to the principle of providing MORE products, services support and value to clients, partners and the community. Headquartered in Mount Laurel, N.J with branches
PFC of Yakima is a local family-owned company specializing in asset and real estate secured lending. We have been originating, underwriting, and servicing loans in Central Washington since 1992. Michaela Stelzer is the Business Manager and handle accounting and administrative duties for the company.
