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.
Upstar Home Mortgage Inc. is a trusted lender offering competitive home loans and refinancing solutions. With a customer-first approach, they provide personalized mortgage options, expert guidance, and a seamless loan process. Upstar helps clients achieve homeownership with flexible terms and great rates.
1101 Sylvan Avenue, Suite C-102, Modesto, CA, 95350
Lends in California
"At AMC, we believe how you get your mortgage matters. In 1968, fed up with the mechanization and lack of character in the mortgage industry, we decided to embark on something new.
We moved an industry typically reserved for big banks to a small business venue and it turns out we were on to something. Over the years we have grown"
Carrollton Mortgage Co are completely committed to helping you find the right mortgage to fit your needs. Our team of mortgage professionals will provide you with the information you need to make an informed decision. We put people first. You can enjoy a free personalized consultation by visiting or calling our offices.
1920 Standiford Avenue, Suite 2, Modesto, CA, 95350
Lends in California
Taylor Mortgage Company is a locally owned mortgage brokerage offering home loans at the current lowest rates and fees available on the market. As a mortgage broker, as versus a banker, Taylor Mortgage can offer financing plans and programs at rates, fees, and terms many other companies can't even dream of.
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.
1156 Scenic Drive, Suite 200 and 110, Modesto, CA, 95350
Lends in California
Scenic Oaks Funding was founded in 1992 in order to provide members of our community with a simpler way to buy a home. Our company continued to evolve and in 2010, we made the transformation from mortgage broker to mortgage banker for the same reason: to make home buying easier, more efficient, and more accessible.
We are the leading home loan lender in the Central Valley since 1987. We’ve worked hard to build a strong reputation as an out-standing mortgage firm serving our clients needs. You're on your way to finding the best loan at the lowest rate to finance your new home or refinance your existing mortgage.
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.
SJ Morgan Private Lending Exchange is a company that matches borrowers who are seeking funds to purchase or refinance commercial or residential properties with private investors who are looking for solid real estate investment returns. Qualified investments are presented to the investor exchange.
Valley First Credit Union provides quality financial services to the growing and diverse communities of Calaveras, Fresno, Kings, Madera, Mariposa, Merced, San Joaquin, Stanislaus, Tulare, and Tuolumne Counties. We are a not-for-profit financial cooperative that is owned by our members.
