In 2025, the USDA loan ceiling for Carmichael, within Sacramento County, CA, is $540,000, whereas the FHA limit for a single-family home is $763,600.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA against FHA rates, determining the necessary income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on which program in suits your financial needs best.
2025 Loan Limits and Downpayment Requirements in Carmichael, Sacramento, CA
Loan Type
Loan Limit
Down Payment
USDA
$540,000
0%
FHA
$763,600
3.5%
Conventional Conforming
$763,600
3%
USDA and FHA Loan Choices in Carmichael, CA
Lendersa® aims to efficiently secure you the best possible USDA or FHA loan with minimal hassle. Choose from three starting options to connect with the right lenders and find USDA loan programs that fit your needs.
A USDA home loan, guaranteed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans do not require a down payment.
1440 N. Harbor Boulevard, Suite 900, Fullerton, CA, 92835
Giving Tree Lending (GTL), we operate for the sole purpose of providing low-cost mortgage financing to all. Our commitment to client service ensures a hassle-free and financially satisfying consumer experience.By maintaining a vast network of banking relationships, we have access to the most favorable terms available.
TNG Real Estate is comprised of an elite community of agents covering the greater Southern California area and we are committed to bringing you the very best selling and buying options. Our priority is to capture your vision and make it a reality by creating a personal relationship with you and your lifestyle.
"At Legacy Financial Services, we not only help you with your mortgage, but we also want to be your ""mortgage advisor for life.""
There is more than just finding a home loan in California. You need the expertise of a ""mortgage advisor"" that can review your whole financial situation and recommend the right loan program for you."
1370 N. Brea Blvd, Suite 203, Fullerton, CA, 92835
Menconi & Associates / California Mortgage Group began within the mid 1980’s with associates from our current company. Then, in 2002, through the efforts of Mr. Menconi it became a family-owned company. To date, several members of the Menconi family have performed various functions within Menconi & Associates / California Mortgage Group.
We have been conducting business in the local area for many years. We have and continue to work hard to gain the respect of these many distinguished communities. This recognition is built upon a respect for our clients and neighbors. We hope your experience with us will further this reputation of personalized service and client satisfaction.
2467 Middlesex Place, Suite 428, Fullerton, CA, 92835
OC Loan Broker is a small, sole-proprietor mortgage broker. I specialize in low-rate, no-cost refinance and purchase loans. My compensation is set low, which allows me to be ultra competitive. I am approved with several low-price lenders. Additionally, I have the ability to match rates with one of my wholesale lenders
1440 N Harbor Blvd, Suite 900, Fullerton, CA, 92835
Home Living Tree is passionate about serving the community and making a difference in the lives of people throughout the Orange County & surrounding areas. While the real estate market has dramatically changed over the years, one thing remains, our dedication to recognize our clients individual needs & deliver results past their expectations.
The mission of the Ontario Public Employee's Federal Credit Union is to provide the friendly and convenient financial services that best meet the needs of the members while maintaining the financial soundness and stability required to protect the members investment. Ontario Public Employees Federal Credit Union/
