USDA Loan Vs. FHA loan pro & con for Ceres, Stanislaus County, CA

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.

(717) 630-9300 2360 miles Lender's profile and map Reviews Affordable Home Mortgage, Inc. 300 Baltimore Street, Hanover, PA, 17331 Affordable Home Mortgage, 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
(888) 842-6328 2360 miles Lender's profile and map Reviews Navy Federal PO Box 3000, Merrifield, VA, 22119 Navy Federal Credit Union is the world's largest credit union with over 10 million members, over $149 billion in assets and over 32, 000 employees. As a credit union, we have members, not customers. At our campuses in Vienna, VA, Pensacola, FL and Winchester, VA, and in our more than 345 branches.
407-953-5369 2360 miles Lender's profile and map Reviews JW CAPITAL 1800 Pembrook Dr. Suite 300, Orlando, FL, 32810 JW Capital Company is a mortgage brokerage. We shop numerous lenders to ensure our clients always get a great deal. Our clients receive wholesale interest rates, faster closings (2 to 3 weeks) and excellent customer service throughout the process. This combined with state of the art technology provides an overall stress free experience.
407.221.5065 2360 miles Lender's profile and map Reviews Mortgage Equity Partners, Orlando/Winter Park 5222 Andrus Ave, Suite A, Orlando, FL, 32810 Mortgage Equity Partners is comprised of former leaders and executives from prominent “national lenders.” The principals alone have over 100 years combined experience in the mortgage industry.Your mortgage is one of the most, if not the most, important financial transaction in your life.
(404) 406-2564 2360 miles Lender's profile and map Reviews MAGNOLIA HOME LOANS, LLC 402 Dogwood Drive S, Murrells Inlet, SC, 29576 Magnolia Home Loans had a modest beginning in Atlanta, Georgia and now serve home buyers throughout Georgia and South Carolina. We are a family owned business who give our clients 1:1 personalized services. We have been in the mortgage business for over 30 years. Our mission is to serve our customers with honesty, integrity, and competence.
(407) 896-9411 2360 miles Lender's profile and map Reviews Addition Financial Credit Union 1000 Primera Blvd, Lake Mary, FL, 32746 Addition Financial is a member-owned, not-for-profit financial cooperative, offering comprehensive financial solutions that help members achieve their financial goals. We exist solely for the benefit of our members, and we return our profits to them in the form of lower loan rates, higher dividends on savings, and lower fees.
(407) 217-9122 2360 miles Lender's profile and map Reviews Oceans Lending Mortgage Lender in Lake Mary Orange County Sanford Oviedo 3098 W Lake Mary Blvd, 2nd Floor, Lake Mary, FL, 32746 Ocean’s mission is to become the mortgage industry standard by elevating customer relationships and service. Oceans’ corporate platform is built on high morals and ethics, honor and integrity. These are the reasons clients will be able to trust the information and service they receive is unsurpassed.
(407) 562-1259 2360 miles Lender's profile and map Reviews Key Star Mortgage Group LLC 801 International Parkway, Suite 500, Lake Mary, FL, 32746 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.
(407) 813-1361 2360 miles Lender's profile and map Reviews Assure Home Funding LLC 1540 International Parkway, Suite 2000, Lake Mary, FL, 32746 Assure Home Funding gives you access to a large group of lenders, providing a variety of business capital advance options that can be tailored to fit your particular needs. We offer unique opportunities to secure the funding you need for your business, often when traditional lenders are not an option.
(407) 392-1904 2360 miles Lender's profile and map Reviews Emerald Financial Partners Inc 255 Primera Blvd, Suite 160, Lake Mary, FL, 32746 Emerald Mortgage Partners was established with one mission in mind: Making the tedious and complicated process of mortgage and lending simpler, easy to understand and straightforward. EFP also not only provides the knowledge and expertise during, but also after the sale, to ensure your loved ones and valuables are protected and secure.
407-616-3433 2360 miles Lender's profile and map Reviews Premier Home Funding 773 Stirling Center Place, Lake Mary, FL, 32746 Premier Home Funding, we serve our clients with old fashioned values: honesty, hard work, education, and service with enthusiasm. Our goal is to ensure a smooth process while providing excellence in each transaction. We want to make your dream home a reality and an investment that will benefit you and your family for many years to come