USDA Loan Vs. FHA loan for Ceres, CA 2026

In 2026, the USDA loan cap for Ceres in Stanislaus, CA is set at $412,000, whereas the FHA limit for a single-family home is $517,500.

To compare today’s leading USDA and FHA rates, leverage the Lendersa® USDA loan calculator. This tool also identifies the income, credit requirements, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a comprehensive comparison of USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the best program tailored for your financial needs, especially if you are in .

Exploring USDA and FHA Loan Options in Ceres, CA

The primary aim of Lendersa® is to swiftly help you secure the most favorable USDA or FHA loans without hassle. Start your journey by choosing one of three pathways that enable you to connect with matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, often called a USDA rural development loan or USDA mortgage, is a government-backed program via the Department of Agriculture. It is designated for rural areas only, differing from FHA loans that require a 3.5% minimum down payment. USDA loans offer a significant advantage by not requiring any down payment, thus presenting an accessible financing option.

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Ceres Lenders
(209) 846-5188 Lender's profile and map Upstar Home Mortgage Inc. 2005 Evergreen Ave., Modesto, CA, 95350 Lends in California Upstar Home Mortgage Inc. is a trusted lender offering competitive home loans and refinancing solutions. With a customer-first approach, they provide personalized mortgage options, expert guidance, and a seamless loan process. Upstar helps clients achieve homeownership with flexible terms and great rates.
(209) 568-4940 Lender's profile and map Alameda Mortgage Corporation 1101 Sylvan Avenue, Suite C-102, Modesto, CA, 95350 Lends in California "At AMC, we believe how you get your mortgage matters. In 1968, fed up with the mechanization and lack of character in the mortgage industry, we decided to embark on something new. We moved an industry typically reserved for big banks to a small business venue and it turns out we were on to something. Over the years we have grown"
(209) 526-6200 Lender's profile and map Carrollton Mortgage Co. 3400 Tully Road, Suite A, Modesto, CA, 95350 Lends in California Carrollton Mortgage Co are completely committed to helping you find the right mortgage to fit your needs. Our team of mortgage professionals will provide you with the information you need to make an informed decision. We put people first. You can enjoy a free personalized consultation by visiting or calling our offices.
(209) 577-8000 Lender's profile and map Taylor Mortgage Company, Inc. 1920 Standiford Avenue, Suite 2, Modesto, CA, 95350 Lends in California Taylor Mortgage Company is a locally owned mortgage brokerage offering home loans at the current lowest rates and fees available on the market. As a mortgage broker, as versus a banker, Taylor Mortgage can offer financing plans and programs at rates, fees, and terms many other companies can't even dream of.
(209) 602-2109 Lender's profile and map S/L Mortgage 509 Scenic Dr, Modesto, CA, 95350 Lends in California Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(559) 960-4465 Lender's profile and map Scenic Oaks Funding 1156 Scenic Drive, Suite 200 and 110, Modesto, CA, 95350 Lends in California Scenic Oaks Funding was founded in 1992 in order to provide members of our community with a simpler way to buy a home. Our company continued to evolve and in 2010, we made the transformation from mortgage broker to mortgage banker for the same reason: to make home buying easier, more efficient, and more accessible.
(209) 524-6000 Lender's profile and map California Mortgage Associates 1217 Standiford Ave., Modesto, CA, 95350 Lends in California We are the leading home loan lender in the Central Valley since 1987. We’ve worked hard to build a strong reputation as an out-standing mortgage firm serving our clients needs. You're on your way to finding the best loan at the lowest rate to finance your new home or refinance your existing mortgage.
(800) 936-3220 Lender's profile and map IMS Lending 3421 Tully Rd Ste A, Modesto, CA, 95350 Lends in California Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
209.518.9527 Lender's profile and map SJMorgan 1110 Tully Road, Suite B, Modesto, CA, 95350 Lends in California SJ Morgan Private Lending Exchange is a company that matches borrowers who are seeking funds to purchase or refinance commercial or residential properties with private investors who are looking for solid real estate investment returns. Qualified investments are presented to the investor exchange.
(209) 549-8500 Lender's profile and map Valley First Credit Union PO Box 1411, Modesto, CA, 95353 Lends in California Valley First Credit Union provides quality financial services to the growing and diverse communities of Calaveras, Fresno, Kings, Madera, Mariposa, Merced, San Joaquin, Stanislaus, Tulare, and Tuolumne Counties. We are a not-for-profit financial cooperative that is owned by our members.