USDA Vs. FHA Pro and Con comparison in Bret-Harte, Stanislaus County, CA
In 2025, 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 2025
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.
2651 E Chapman Ave, Suite 215C, Fullerton, CA, 92831
Our mission at Southern Cal Funding is to make applying for a home loan as painless and smooth a process as possible. We work with many wholesale banks that offer extremely competitive programs whether your a 1st Time Buyer, an Investor, or just selling and buying your next home!
1020 South Raymond Avenue, Suite A, Fullerton, CA, 92831
Lock Rate is a California based Mortgage company dedicated to servings Californian’s home financing needs. We believe that shopping for the best mortgage should be easy, transparent and flexible and also Lock Rate is a California based Mortgage company dedicated to servings Californian’s home financing needs.
1440 North Harbor Boulevard, Suite 900, Fullerton, CA, 92831
Fullerton Community Lending is a Mortgage Broker located in the City of Fullerton. We have 13 year experience and with home purchases,refinances, investments and commercial loans. We offer FHA, Conv, and Jumbo at competitive interest rate. Broker located in the City of Fullerton. We have 13 year experience and with home purchases,refinances,
2495 East Orangethorpe Avenue, Suite 110, Fullerton, CA, 92831
Shaner Brokerage Corporation is a referral-based, boutique brokerage firm, providing top-notch service to residential buyers and sellers in Southern California. We take a friendly, professional approach to real estate that exceeds client expectations time after time. Our experienced team is well-versed in all aspects of real estate & lending.
2461 E Orangethorpe, Suite 229, Fullerton, CA, 92831
At Get Real Service, we bypass the traditional sales and processing structure associated with mortgage lending. What does this mean for you? Simply stated, this “traditional” method represents added costs that we eliminate, passing on the extra savings to you in the form of lower interest rates and fees.
2601 East Chapman Avenue, Suite 212, Fullerton, CA, 92831
Simplify Direct, Inc goal is to achieve your mortgage needs by mimimizing the red tape through our automated process. You will work directly with a single point of contact from begining to end. Our seasoned mortgage specialist will help you get the perfect mortgage that fits your needs.
Here at Rosemont Mortgage we put you first! Our warm, friendly and knowledgeable staff are all geared to be problem solvers. Whether it is finding the most aggressive rate for your purchase or refinance or looking for the right help after being let down by another lender we can and will help.
As a community-oriented bank, the Bank offers a wide array of personal, consumer and commercial services generally offered by a locally-managed, independently-operated bank. The Bank provides a broad range of deposit instruments and general banking services, including checking, savings, and money market accounts.
