USDA Vs. FHA Pro and Con comparison in Calistoga, Napa County, CA

In 2025, the USDA loan limit in Calistoga, Napa county, CA is $717,600, while for a single-family home, the FHA limit is $1,017,750.

Utilize the Lendersa® USDA loan calculator to compare today’s top USDA vs. FHA rates and establish the necessary income, credit, reserves, and documents for qualifying. Our advanced mortgage calculator offers USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program for your financial situation in Alabama.

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2025 Loan Limits and Down Payment Requirements in Calistoga, Napa, CA

Loan Type Loan Limit Down Payment
USDA $717,600 0%
FHA $1,017,750 3.5%
Conventional Conforming $1,017,750 3%

USDA and FHA Loan Options in Calistoga, CA

The goal of Lendersa® is to efficiently secure you the best USDA or FHA loan without hassle. Choose from three ways to match with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, also known as a rural development loan or USDA mortgage, is a government-backed loan provided by the Department of Agriculture, available only in rural areas. Unlike FHA loans that need a 3.5% down payment, USDA loans require none.

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



  • ProServ Mortgage
  • 20833 Hartsdale Drive, Riverside, CA, 92508
  • ProServ Mortgage is owned and operated by Eric Carlson. Our mission is to provide excellent service to our customers along with great home loan interest rates. Eric has been in the mortgage business since 1993 and has extensive experience with many types of home loan products. ProServ Mortgage is able to offer clients.
  • Prosperity Lending
  • 8345 W. Sunset Rd, Suite 380, Las Vegas, NV, 89113
  • We have been committed to serving the needs of our borrowers for over 30 years. We are a full-service lender offering quick pre-approvals, in-house underwriting and on-time closings at competitive interest rates. While most lenders have limited flexibility in qualifying home buyers.
  • Aundrea Beach-Greco - Las Vegas Mortgage Lender
  • 8337 West Sunset Road, Suite 300, Las Vegas, NV, 89113
  • Our team constantly strives for self improvement and incorporate this knowledge and education to help our clients have a better experience. I have been lending since 1997 so I already know what the underwriter is looking for and can prepare you for that process. That means simplicity for you, and an advocate to show you how to navigate the waters
  • Lone Mortgage
  • 5275 S Durango Dr, Las Vegas, NV, 89113
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Lone Mortgage
  • 5275 S. Durango Dr, Las Vegas, NV, 89113
  • "Lone Mortgage has been open since 2006 Offering the industry's deepest menu of loan programs, allowing us to close loans when other lenders have said no. We are dedicated to providing superior service combined with innovative loan programs to ensure the greatest value for our customer... creating a ""Client for Life."""
  • Zenith Lending
  • 5185 S. Durango Drive, Unit 2, Suite 101, Las Vegas, NV, 89113
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • All Western Mortgage Inc.89113
  • 8345 W Sunset Rd, Suite 380, Las Vegas, NV, 89113
  • At All Western Mortgage, we leverage our talent and resources to reinvent our industry, continuously striving to be recognized as a leader in the mortgage business. We always aspire to provide superior service combined with innovative loan programs to ensure the greatest value for our customers, creating a “Client for Life”.
  • Sandstone Home Loans
  • 5155 S Durango Dr, Suite 102, Las Vegas, NV, 89113
  • Sandstone Home Loans provides access to home loans for homeowners seeking to consolidate debt, shorten their current loan term, or just lower their current interest rate. As well we work with home buyers, whether they are a first-time home buyer or a seasoned investor. We will work with a customer from the beginning stages.
  • All Western Mortgage
  • 8345 W. Sunset Rd. #380, Las Vegas, NV, 89113
  • We are committed to serving the needs of borrowers, real estate professionals and loan officers alike, as we uphold the highest ethical standards and treat our clients and business partners with the utmost respect and honesty. We take our commitments seriously and do the right thing without compromise.
  • Clearinghouse CDFI
  • 23861 El Toro Road Suite 700, Lake Forest, CA, 92630
  • We are a community lender and a Benefit “B” Corporation that addresses unmet credit needs throughout the U.S. and in Indian Country through direct lending, equity investments, and financial assistance. Borrowers, Need a Loan? Learn about our loan programs and others like you who are driving positive change in their communities. Investors, see ho
  • meMortgage
  • 25531 Commercentre, Suite 250, Lake Forest, CA, 92630
  • We are meMortgage; your new, woman ran, wholesale mortgage partner. We look forward to serving all your needs for many years to come. Let me Help You To foster a simplified, intuitive lending experience so that, together, we can deliver customer-centric solutions to help clients realize their dreams