USDA Loan Vs. FHA loan for Chico, CA [Butte County ]

In 2025, USDA loan limit in Chico, county of Butte, CA is $403,600 while FHA limit is $472,030 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.

Get top 10
USDA LENDERS
customized to yout needes

USDA and FHA loan options in Chico, 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.

Lendersa USDA loan request and matching results

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.

(530) 823-2274 Lender's profile and map Reviews Family Funding & Realty 11740 Atwood Road, Auburn, CA, 95603 Family Funding, was founded in 1995 by Owner/Broker, Don Denne and his wife Bettina. Since they were both licensed and were experienced in real estate sales and mortgage lending, they decided that one put emphasis on real estate sales and the other on lending. Although they are completely separate from each other
(916) 847-9861 Lender's profile and map Reviews Centurion Mortgage 1223 High Street, Suite C2, Auburn, CA, 95603 "We believe that every customer deserves the best care and service when purchasing or refinancing the home of their dreams. We're here to serve your mortgage needs and have what it takes to make a difference in your next mortgage transaction. We can place all types of mortgages including purchases, refinances,"
(530) 889-8881 Lender's profile and map Reviews First Foothill Mortgage 280 Hammond Drive, Auburn, CA, 95604 FIRST FOOTHILL MORTGAGE is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straight forward by offering you the latest in financial tools
(916) 626-5599 Lender's profile and map Reviews California Loan Associates, Inc. 5800 Stanford Ranch Road, Suite 320, Rocklin, CA, 95765 California Loan Associates, Inc. is a local California mortgage brokerage firm specializing in offering real estate financing options to our client's at the most competitive interest rates available in the market. We offer customer service and on site loan processing that exceeds that of other "Too Big to Fail" type institutions.
(916) 765-7023 Lender's profile and map Reviews Capital Valley Brokers 864 Spotted Pony Lane, Rocklin, CA, 95765 Capital Valley Brokers 30 years experience in the Real Estate & Mortgage Industry, I can help guide you to a Home Loan customized to meet your needs. As a broker, I have access to the most competitive lenders, rates and loan programs. I believe in creating a lifelong relationship with my clients.
(619) 203-0424 Lender's profile and map Reviews BluePrint Realty and Lending, INC 5701 Lonetree Boulevard, Suite 322, Rocklin, CA, 95765 In today’s changing real estate market, it is more important now than ever to have a trusted mortgage consultant. We have access to a full range of mortgage sources and all of our loan officers are dedicated to finding the right loan program with the right rate, terms, and requirements to meet your short-term and long-term goals.
(916) 435-6912 Lender's profile and map Reviews Solcosta Home Loans, LLC 5701 Lonetree Boulevard, Suite 316, Rocklin, CA, 95765 At Solcosta Home Loans, we believe in speed, service, and transparency. Whether you are a first-time homebuyer or an experienced real estate investor, we want to provide you the education and loan options to help you meet your specific goals. We have a passion for putting our clients’ interests first, and we believe that doing the right thing
(916) 316-5374 Lender's profile and map Reviews Direct Wholesale Mortgage 5701 Lonetree Boulevard, Suite 313, Rocklin, CA, 95765 Direct Wholesale Mortgage full service real estate and mortgage office, and specialize in providing clients with finding their dream homes, listing clients homes for sale and providing clients with their Mortgage lending needs. As a broker we have relationships with over 10 different lenders which offer variety of loan programs.
(916) 758-8000 Lender's profile and map Reviews LRG LENDING 5701 Lonetree Blvd, Suite 307-308, Rocklin, CA, 95765 At LRG Lending, the genuine care and well-being of our clients is our highest mission. We are driven to provide exceptional personal service for our clients who will always enjoy a warm, professional, and seamless experience. Our team is dedicated to building strong and honest client relationships through Loyalty, Respect, and Gratitude.
(916) 521-7391 Lender's profile and map Reviews Capital city mortgage solution inc 5701 Lonetree Blvd, Suite 317, Rocklin, CA, 95765 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
(916) 624-0767 Lender's profile and map Reviews Capitol Direct Lending 6524 Lonetree Blvd., Rocklin, CA, 95765 From affordable loans for first-time home buyers to traditional fixed and adjustable rate mortgages to jumbo loan amounts that accommodate upscale financing, we offer a wide variety of financing options. You can count on our extensive resources, capabilities, and expertise to provide the right home loan for you.