USDA and FHA Pro and Con in Clearlake, Lake County, CA

In 2025, the USDA loan limit for Clearlake, located in Lake, CA, is set at $400,000, while the FHA limit for a single-family house is $472,030.

Leverage the Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates. It will help identify the income, credit, reserves, and documentation you need to qualify. With our sophisticated mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side by side to decide which option best suits your particular financial situation in .

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2025 Loan Limits and Down Payment Requirements in Clearlake, Lake County, CA

Loan Type Loan Limit Down Payment
USDA $400,000 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Options in Clearlake, CA

The core mission of Lendersa® is to deliver the best USDA or FHA loan for you rapidly and without hassle. You can start with one of three approaches that lead to matching lenders and eligible USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan is secured by the government through the Department of Agriculture. It's also referred to as a USDA rural development loan or USDA mortgage, applicable exclusively in rural areas. Unlike FHA loans with a minimum 3.5% down payment, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Blissful Mortgage
  • Beach Office 8730 Thomas Dr, 1110 A, Panama City, FL, 32408
  • Blissful Mortgage LLC is located in Panama City Beach, FL, United States and is part of the Activities Related to Credit Intermediation Industry. Blissful Mortgage LLC has 3 employees at this location. (Employees figure is modelled). There are 2 companies in the Blissful Mortgage LLC corporate family.
  • Consumer Credit Union
  • 3634 E Andrew Johnson Highway, Greeneville, TN, 37745
  • Founded in 1953, Consumer Credit Union is a state charted, member owned financial institution with assets of $475 million. We are dedicated to providing our members with exceptional service. At Consumer Credit Union your savings are federally insured up to at least $250, 000 and backed by the full faith and credit of the United States.
  • Southern Finance Co
  • 1200 Snapps Ferry Road, Greeneville, TN, 37745
  • Southern Finance has been providing financial services to consumers in East Tennessee and Southwest Virginia since 1955. Southern Finance is a consumer finance company with four convenient locations to serve you. We've added technology that makes loan approvals faster and easier. We've opened new locations to make it easier for you to do business.
  • DoverPhila Federal Credit Union
  • 129 Fillmore Avenue, Dover, OH, 44622
  • DoverPhila Federal Credit Union was established as a financial cooperative and is controlled by its members. We exist for the financial benefit of our members and to provide a level of service that meets our members’ financial needs. Low cost auto loans, higher interest rates on certificates of deposit (CDs) and a vast array of products.
  • First Federal Community Bank, National Association
  • 141 W Ohio Ave, Dover, OH, 44622
  • First Federal Community Bank provides a full-range of financial products & services using the latest technology while maintaining our personal relationship with each customer. Our mission is to empower the financial well-being of our community one person at a time. Our team is comprised of local experts, committed to providing exceptional service.
  • Painesville Credit Union
  • 280 N St Clair Street, Painesville, OH, 44077
  • Painesville credit union is a member-owned, not-for-profit financial cooperative, whose goal is to be your trusted financial partner. By providing superior financial services in a friendly, professional manner, we strive to exceed our members' needs.We will continue to honor our Statement of Commitment to members by providing
  • LCE FCU
  • 77 N St Clair Street, Painesville, OH, 44077
  • L.C.E. Federal Credit Union was chartered in July of 1960 as a not-for-profit organization in Painesville, Ohio. It was established to serve the employees of Lake County and their immediate family members. The credit union originally had one employee and served less than one hundred members.
  • Lake County Educational Federal Credit Union
  • 1595 Mentor Avenue, Painesville, OH, 44077
  • Lake County Educational Federal Credit Union full-service financial cooperative, proudly serving the Lake County and North Olmsted education communities and select group partners within the Greater Cleveland region. Since 1955, our specialized structure has been maintained to help our local education community prosper.
  • L.E.O. Credit Union
  • 155 Freedom Road, Painesville, OH, 44077
  • "The L.E.O. Credit Union was formed in 1985 as a non-profit, cooperative business, owned and controlled by its members. Members/owners of L.E.O. share the common bond of Lubrizol Employees of Ohio, other selected groups, and their relatives as stated in our charter. The L.E.O. Credit Union was founded primarily as a savings and lending institutio