USDA VS FHA in Bret-Harte, Stanislaus County, CA

In 2025, USDA loan limit in Bret-Harte, county of Stanislaus, CA is $354,100 while FHA limit is $396,750 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Bret-Harte, county of Stanislaus, CA

Loan Type Loan Limit Down payment
USDA $354,100 0%
FHA $396,750 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Bret-Harte, 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.

Lendersa USDA loan request and matching results

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • First National Bank of Winnsboro
  • 315 N Main St, Winnsboro, TX, 75494
  • First National Bank of Winnsboro has been continually serving multiple generations of families for over a century! At the 2018 Customer Appreciation BBQ, Texas Bankers Association and The Independent BankersBank presented FNB with a award for celebrating 125 years of banking. Windol Cook, on behalf of TIB, stated.
  • Legacy Bank.
  • 502 8th St. SW, Altoona, IA, 50009
  • At Legacy Bank, we are committed to providing excellent customer service and quality financial products at competitive rates. Legacy Bank is a locally owned and operated community bank. We have been serving the area since 1904. We promote growth and development around central Iowa and look to foster success for all of our customers.
  • The Texas Loan Company
  • 1507 S. Main St., Lindale, TX, 75771
  • The Texas Loan Company is a client-focused mortgage brokerage firm that specializes in providing our clients the best product with the best rate while providing the best service. Give us a call we will fund your home dreams and also Conventional mortgages are ideal for buyers with good credit and money to put down.
  • Capital Farm Credit
  • 3000 Briarcrest Dr, Bryan, TX, 77802
  • Capital Farm Credit is the largest rural lending cooperative in Texas, providing credit and other related services to farmers, ranchers, rural home owners, and agribusinesses. We are a proud member of the nationwide Farm Credit System which provides financing to meet the needs of rural America.
  • Network Finance Inc
  • 2511 S Texas Ave, Bryan, TX, 77802
  • We have been in business for over 20 years and have staff that have been with us since our doors first opened. We build strong relationships with our customers and the majority of our clients are return customers. We care about you and your financial well-being. We are commited to helping you do that.
  • Brazos Star Credit Union
  • 701 Harvey Road, College Station, TX, 77840
  • In 1961, ten employees from the United State Post Office and the United States Department of Agriculture each made an investment to purchase a share of ownership in the newly chartered credit union called Brazos County Federal Employees Credit Union. This credit union was established by its members to serve the federal employees from USPS, USDA.
  • Janesville State Bank
  • 201 N Main Street, Janesville, MN, 56048
  • Our goal is simple. We aspire to build a better Janesville by serving the financial needs of our customers & creating lasting relationships within our community.Janesville State Bank is a locally owned and operated financial institution serving Janesville and the surrounding communities. We are a five-star, full-service bank committed to providing.
  • Carroll County Trust Company of Carrollton, Missouri
  • 2 South Folger, Carrollton, MO, 64633
  • Carroll County Trust Company is a small town community bank established in 1919. When the Carroll County Trust Company was formed, the banks of Carrollton were family owned entities. The original Board of Directors and founders of the Carroll County Trust Company were comprised of local farmers and businessmen.