USDA Vs. FHA Pro and Con comparison in Castro-Valley, Alameda County, CA
In 2025, the USDA loan limit for Castro-Valley in Alameda County, CA, is $657,900, while the FHA threshold for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates and identify the required income, credit, reserves, and documents for qualification. With our advanced mortgage tool, you can compare USDA, FHA, Conforming, and VA loan options side by side, assisting you in determining which program in best suits your financial profile.
2025 Loan Limits and Downpayment Requirements in Castro-Valley, Alameda, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Options in Castro-Valley, CA
The aim of Lendersa® is to ensure you obtain the best available USDA or FHA loan efficiently and without trouble. Choose one of three paths to connect with lenders and explore suitable USDA loan options.
A USDA home loan, guaranteed by the government through the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, is exclusive to rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, USDA loans require no down payment at all.
Brownfield Federal Credit Union is a member-owned and controlled financial services organization. Our mission is to meet members’ financial needs through quality service at the best value while maintaining financial stability. Building lifelong relationships one member at a time. Brownfield Federal Credit Union Chartered in 1960.
At Borger Federal Credit Union, our members matter most. We strive to have individual relationships with all of our members, providing the most insight, education and strongest relationships in the Panhandle. We’ve served our community for over 50 years and as a Credit Union that is owned by you, we are able to offer lower rates on loans.
Kress National Bank was charted in 1963 by a group of local citizens, starting a long banking history with a rich heritage as a Panhandle / South Plains Texas independent bank, with a continuing philosophy of personal service & trust. For almost one half of a century, KNB has built upon that trust to become one of the safest & highest rated banks.
Founded on May 14th, 1998 by three dedicated employees and a group of local shareholders, NebraskaLand Bank began with the mission, ""To serve our communities with high quality personalized service at a competitive price."" That mission statement remains the same today.
We always say it's our people that make us special
Plains Federal was chartered in 1958 so we have a lot of practice “helping people”. While we are a small credit union, we are a great example of “good things come in small packages”. Our small staff means we will get to know you personally! We encourage our members to be thrifty and make good financial decisions.
On December 17, 1909, First State Bank of Abernathy opened for business with capital of $10,000. Deposits the first day were $2,214.90. The seven original stockholders were W.A. Shelton, C.A. Burrus, W.H. Ragland, S.R. Merrill, N.C. Hix, Vince Stambaugh & Dr. M.C. Overton, the famous pioneer doctor whose name is still seen all over nearby Lubbock.
Garden City Teachers Federal Credit Union is a Full Service Financial Institution serving you since 1952. We have a closed membership, and to qualify for membership you have to be one of the following: Employee of Deerfield School District, Employee of High Plains Educational Cooperative, Employee of the Boards of Education for Finney County.
Accomplish your financial goals with help from your community banking partner—Western State Bank in Garden City. Our family-owned, local bank proudly serves seven Western Kansas communities. Through our first-class personal and business banking solutions, we have the products, services and expertise our customers need to achieve their goals.
We make our loans convenient for our members with competitive rates and flexible terms. Loans are available for a wide range of purposes including, auto loans and leases, motorcycles, signature loans, overdraft protection, consolidation and many other uses. Apply in person, by phone, mail or online.
AT AimMortgage We look forward to putting our mortgage services to work for you!
We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing
