USDA Loan Vs. FHA loan for Ceres, CA 2025

In 2025, USDA loan limit in Ceres, county of Stanislaus, CA is $412,000 while FHA limit is $517,500 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.

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USDA and FHA loan options in Ceres, 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.

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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.

(209) 651-2000 Lender's profile and map Reviews Mission San Jose Mortgage 2111 West March Lane, Suite B100, Stockton, CA, 95207 Mission San Jose Mortgage, we have the experience, financial strength, and personalized service you can count on. As a client of Mission San Jose Mortgage, you will benefit from the personal attention and experience of our licensed mortgage professionals coupled with our wide range of competitive mortgage products
(925) 577-3776 Lender's profile and map Reviews East Bay Lender 2300 First Street, Suite 216, Livermore, CA, 94550 Antonio Cordero is your East Bay Lender! As a licensed Loan Originator who is familiar with a variety of loan types and specialized programs, Antonio is ready, willing and able to help you find the mortgage product that is right for you. East Bay Lender is my brand as a mortgage lender here in the East Bay Area and beyond.
(916) 601-8572 Lender's profile and map Reviews LongShore Capital 411 South Street, Suite E, Livermore, CA, 94550 We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance.
(313) 638-9376 Lender's profile and map Reviews East Bay Capital 3406 Zaccaria Way, Stockton, CA, 95212 We have been helping home owners, investors and commercial property owners since 1984. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide real estate and real estate loans to our clients while providing them with the lowest interest rates and closing costs possible.
(209) 785-7283 Lender's profile and map Reviews Prominent Mortgage Lending Inc. 621 McCarty Street, Copperopolis, CA, 95228 Prominent Mortgage Lending Inc. proudly serves all of California. Unlike traditional mortgage bankers, Prominent Mortgage Lending makes home financing understandable, easy and convenient. We offer a wide range of financing options, interest rates and terms, giving you the opportunity to find the best loans for your needs.
(916) 600-3123 Lender's profile and map Reviews JC Mortgage 4350 West Avenue, Suite 2, Atwater, CA, 95301 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.
(209) 938-1088 Lender's profile and map Reviews Mokelumne Federal Credit Union 10628 Trinity Pkwy, Suite A, Stockton, CA, 95219 Mokelumne Federal Credit Union was founded in 1959. For 37 years, the credit union‘s name was GMI Federal Credit Union. It‘s original sponsor was General Mills Inc., employees (including retirees) employed at specific General Mills facilities.In 1996 the Credit Union’s name was changed to Mokelumne Federal Credit Union, allowing us to service.
(209) 992-1281 Lender's profile and map Reviews Alpha Mortgage 3031 W. March Lane, Suite 236W, Stockton, CA, 95219 As a full service mortgage broker, I work with home buyers and homeowners throughout all of California who want to get the convenience of an online lender with the low rates of a local mortgage broker. We work with clients in our hometown of Stockton, but also have many clients in the Bay Area and surrounding areas.
(844) 947-4617 Lender's profile and map Reviews ELOAN4HOME 4578 Feather River Dr, Suite D, Stockton, CA, 95219 "At Eloan4Home. We look forward to getting you approved for your home purchase or refinance! Here at Eloan4Home we strive to give you the best mortgage service available in today’s market – easy, convenient, and with exceptional client service. We strive to take the mystery out of mortgage for our customers."
(209) 473-3947 Lender's profile and map Reviews Majestic Mortgage Services Incorporated 3520 Brookside Rd, Suite 171, Stockton, CA, 95219 At Majestic Mortgage Services, Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
(916) 716-6100 Lender's profile and map Reviews Golden State Mortgage, Inc. 601 W. Kettleman Lane, Suite B, Lodi, CA, 95240 "At www.GsmLoans.com, you can find information on different Loan Programs and find the best loan for you. Also find information on local schools, weather, links and other resources for the Lodi area and its surrounding communities. Our team at Golden State Mortgage, Inc. can assist you with a variety of real estate services,"