USDA Vs. FHA Pro and Con comparison in Cottonwood, Shasta County, CA
In 2025, the USDA loan limit for Cottonwood in Shasta, CA is $384,900. Meanwhile, the FHA cap for a single-family home is $472,030.
Utilize Lendersa® USDA loan calculator to compare today’s premier USDA versus FHA rates and determine the necessary income, credit, reserves, and required documents to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the optimal program for your personal financial scenarios in .
2025 Loan Limits and Downpayment Requirements in Cottonwood, Shasta, CA
Loan Type
Loan Limit
Down Payment
USDA
$384,900
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Choices in Cottonwood, CA
Lendersa® aims to connect you with the best USDA or FHA loans quickly and effortlessly. Choose one of three pathway options to align with lenders and USDA loan programs.
A USDA home loan, strengthened by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is accessible only in rural neighborhoods. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans need none, offering a no-down-payment advantage.
570 East 5th Street, Suite 150, Lincoln, CA, 95648
Lighthouse Started in 1983 and grew thru out the Bay Area and expanded to the Sacramento Region in 2001. We specialize in every type of financing program from conventional, FHA, and USDA, to commercial and hard money lending as well. We have provided top level service both in our mortgage loans as well as our real estate agents
For over 13 years, Tobias Mortgage Company has served individuals and families in the Greater Sacramento, CA Area with all their mortgage needs, including buying a home and refinancing a home loan. We have extensive knowledge of the home buying process (not just the mortgage) and we use that experience to consultÂ
"AGM Capital Mortgage Corporation was formed to offer you, the consumer, the Lowest Rate at the Lowest Cost that you qualify for. The opening statement on our web page by Michael Girard is a true statement in the belief that you owe it to yourself to KNOW that your bottom line costs matter.
Purchasing your home is often your BIGGEST INVESTMENT
Yolo Federal Credit Union is dedicated to serving the banking needs of our members, their families, and everyone living, working or attending school in Yolo County. It is our mission to help members achieve financial success and build wealth and we achieve that mission by hiring and retaining the best talent in the industry.
RB Lending you're buying your first house or refinancing your jumbo mortgage, you'll save thousands of dollars. I sleep well at night knowing I'm giving people the best service and lowest costs possible. I get a daily report of the lenders with the lowest rates in the country and pass those rates on to you
Imperial Mortgage & Real Estate Services has been serving clients in the Sierra Foothills for over 30 years. As both a Licensed Mortgage Broker and Realtor, Keith brings a unique set of skills to his clients. Keith has also been certified by the National Association of Realtors as a Seniors Real Estate Specialist.
Affordable Real Estate Loans has over 30 years mortgage loan experience serving all of California. Our team is committed to our clients and our financial partners. We believe that building a solid foundation and relationship with our lenders and bankers throughout California gives us the advantage.
Sierra Foothill Mortgage is a family owned and operated business, proudly serving the foothills for more than 25 years. Linda Andrews, owner-broker, has been in the real estate industry for just under 30 years. Chris Nagle, loan officer, has been in the real estate industry for just under a year. Together they are a team to make your loan
Silverado Credit Union has been open since 1953. The credit union has assets totaling $63.97 Million and provides banking services to more than 4,000 members.
Silverado Credit Union offers FREE online tools and services to help you save time and money. We protect your personal and financial information with the highest level of security availa
We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.
At Sierra Pacific Real Estate we are committed to helping Buyers and Sellers accomplish their desired goals, with ease. Whether it involves residential or commercial needs, land subdivision, or an assist with the building process, our goal is to help make that process and transaction easier for our clients, by offering individual client care.
