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.
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