USDA and FHA Pro and Con in Cotati, Sonoma County, CA

In 2024, USDA loan limit in Cotati, county of Sonoma, CA is $763,200 while FHA limit is $861,350 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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2024 loan limits and downpayment requirments in Cotati, county of Sonoma, CA

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

USDA and FHA loan options in Cotati, 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.

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



  • Colorado Short Term Funding
  • 2828 North Speer Blvd, Suite 210-5, Denver, CO, 80211
  • Colorado Short Term Funding (COST Fund) is a Colorado-based private capital, hard money lending, and private mortgage lender. We provide loans to private investors looking to aquire residential properties throughout the state of Colorado and the nation. You can be assured you will get the best service, funding, and information for your real estate.
  • Mindful Mortgage Group
  • 1271 Banner Circle, Erie, CO, 80516
  • Kim Clancy has been working in the mortgage industry for over 17 years. She has seen the good, the bad, the ups, and downs, and has helped hundreds of families realize their dream of home-ownership. Kim is dedicated to educating her borrowers on the best scenario for their situation and keeps their best interest in the top of her mind.
  • Trailhead Mortgage
  • 50 Jordan Lane, Erie, CO, 80516
  • With Trailhead Mortgage working for you, you’ll have access to wholesale mortgage rates from our partner network that you won’t find online. Our focus on eliminating the hassles of getting a mortgage results in a simplified digital process that keeps the loan moving forward. we bring a consultative, and creative approach to our relationships.
  • Red Rocks Credit Union
  • 8195 SouthPark Lane, Littleton, CO, 80120
  • We are committed to inspiring our members through community engagement, educational seminars, and an exceptional experience that not only supports their financial goals, but also their well-being through each phase of their journey. We are a remember-your-name, make-your-dreams-happen kind of place.
  • Louviers Mortgage Group
  • 1101 W Mineral Ave, Suite 101, Littleton, CO, 80120
  • "ouviers Mortgage Group, LLC is your premier mortgage expert located in Louviers, Colorado. We pride ourself on offering some of the lowest rates nationwide and making the loan process simple, straightforward and fast for borrowers seeking a mortgage in Colorado. Whether you are first time home buyer, purchasing your dream home."
  • PCM Funding LLC
  • 5640 South Sycamore Street, Littleton, CO, 80120
  • We are a local company in southwest Littleton, with over 30 years of experience in mortgage lending. Not only is our office located in your community, but we live here too. We proudly support other businesses in our neighborhood and appreciate the patronage from our neighbors, friends and colleagues in the Denver metro area.
  • Colorado Home Mortgages Inc
  • 621 SouthPark Drive, Suite 300, Littleton, CO, 80120
  • Colorado Home Mortgages, Inc. is simply the best source for home financing. Call today to find why CHM is different: Upfront information with no credit check, no obligation and expert financing advice from only licensed mortgage loan originators. Our representatives work with you from consultation to closing and we do this on time.
  • Estates Mortgage Group Inc
  • 1901 West Littleton Blvd, Suite 212, Littleton, CO, 80120
  • Estates Mortgage Group 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 straightforward by offering you the latest in financial tools
  • Reed Mortgage Corporation
  • 26 W. Dry Creek Circle, Suite 600, Littleton, CO, 80120
  • "At Reed Mortgage Corporation, we recognize that each consumer is different, with a different financial situation and a unique need. With hundreds of loan programs, we are able to provide you with the mortgage loan that best fits your individual situation. We offer mortgage loans for virtually any purpose, including Buying a home etc.."