USDA Vs. FHA your options comparison in Cloverdale, Sonoma County, CA

In 2025, the USDA loan cap in Cloverdale, situated in Sonoma county, CA, is $763,200. Meanwhile, the FHA limit for a single-family home is $861,350.

Leverage the Lendersa® USDA loan calculator to compare the most favorable USDA versus FHA rates today. Determine the income, credit history, reserves, and documents needed for qualification. Our advanced mortgage calculator conveniently displays USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the suitable program for your financial necessities within .

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2025 Loan Limits and Down Payment Requirements in Cloverdale, County of Sonoma, CA

Type of Loan Limit Minimum Down Payment
USDA $763,200 0%
FHA $861,350 3.5%
Conventional Conforming $861,350 3%

Exploring USDA and FHA Loan Options in Cloverdale, CA

Lendersa® strives to secure the best available USDA or FHA loan for you rapidly and with ease. Select from three starting methods that connect you with compatible lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in CA?

The USDA home loan, endorsed by the Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage and is specifically accessible in rural areas. Unlike FHA loans that mandate a minimum 3.5% down payment, the USDA loan requires no down payment at all.

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



  • Knoxville Firefighters Federal Credit Union
  • 5207 Schubert Road, Knoxville, TN, 37912
  • Knoxville Firefighter's FCU is a member owned, not for profit, financial co-operative offering services that foster effective and efficient operations to promote participation to all those within the defined field of membership. Our goal is to provide quality service, education, competitive credit, and the best value for our members' deposits.
  • Milestone Mortgage Lending, LLC
  • 110 Evans Mill Drive, Suite 404, Dallas, GA, 30157
  • Milestone Mortgage is comprised of many top mortgage professionals in the Atlanta Metro Area. Each employee of Milestone Mortgage trains a minimum of 12 Continuing Education Units per year. Members of our staff have worked together for several years in the Atlanta Mortgage industry.
  • AuburnBank
  • 100 North Gay Street, Auburn, AL, 36830
  • Auburn National Bancorporation, Inc. (Nasdaq: AUBN) is a bank holding company headquartered in Auburn, Alabama, with total assets of $790 million as of March 31, 2015. Through our wholly-owned subsidiary, AuburnBank, we offer a full range of banking services to commercial and retail customers
  • GULF STATES FINANCIAL
  • 305 E. Thach Avenue, Suite H, Auburn, AL, 36830
  • Our firm is committed to developing solutions that are on target with your needs, & to implement them competently, responsibly and with confidence. It is our policy to provide independent & sound loan products whatever your financial situation. If you need expert advice that achieves optimal results. Gulf States Financial is your trusted lender.
  • First Choice Community Credit Union
  • 100 N 17th Street NW, Knoxville, TN, 37921
  • Our goal is to improve the financial lives of our members and the community we serve. We are inspired to deliver exceptional banking products and superior Member Service throughout East Tennessee. Our journey began in 1936, when a small group of employees at the Fulton Bellows Plant in Knoxville needed a safe place to deposit, save & borrow money.
  • TN Connect Credit Union
  • 6211 Middlebrook Pike, Knoxville, TN, 37909
  • Founded by a group of postal employees in 1924, tnConnect Credit Union remains a non-profit, community-focused financial institution. Our commitment is to help our members succeed and grow financially. We provide a full range of financial products, from everyday savings, checking, and loans to retirement and pet savings accounts.
  • Holston Methodist Federal Credit Union
  • 1235 E Weisgarber Road, Knoxville, TN, 37909
  • Holston Methodist FCU was founded by Seven (7) United Methodist Clergy to assist fellow clergy and their family members with various financial needs. Holston Methodist FCU has been dedicated to serving pastors, churches, staff, church organizations, select employee groups and members within Holston Conference since 1956.
  • Real Estate Finance Group
  • 4707 Papermill Dr, Suite 102, Knoxville, TN, 37909
  • Real Estate Finance Group are a local, knowledgeable, and professional mortgage company that cares about its clients. Real Estate Finance Group employs credit trained mortgage consultants with immediate decision making authority REFG is fueled by a genuine belief in the ‘customer for life’ principal.