USDA Loan Vs. FHA loan for Cottonwood, CA [Shasta County ]

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 .

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.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in CA?

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.

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(303) 785-2800 Lender's profile and map Reviews Alliance Guaranty Mortgage Corp 6105 S Main St, Suite 200, Aurora, CO, 80016 Alliance is a family-owned and operated company. The founder and former CEO, Bill Skufca, served Colorado homeowners since 1958. He retired at the end of 2016 after commemorating 30 years of Alliance Guaranty Mortgage. In April of 2018 Bill passed away, leaving behind a legacy of Colorado home-ownership.
(303) 680-7931 Lender's profile and map Reviews Mountain States Lending Inc 7929 South Quemoy Way, Aurora, CO, 80016 Mountain States Lending are a first time home buyer needing financial assistance, buying your next investment property or something in between, we can help! We can help you purchase or refinance your primary residence, 2nd home or investment property. Along with the traditional Conventional, FHA, VA, Jumbo and USDA loans and more
(303) 900-0343 Lender's profile and map Reviews End To End Home Loans LLC 6105 South Main Street, Suite 200, Aurora, CO, 80016 End To End Home Loans LLC to our customers to determine their real estate financing goals, needs, and wants. To find the best solution, we leverage our expertise, leading edge technology, and relationships with top lenders. We guide our customers through the mortgage process end to end.
(720) 434-5199 Lender's profile and map Reviews Mortgage First LLC 6140 South Gun Club Drive, Building K6, Suite 195, Aurora, CO, 80016 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.
(720) 580-8800 Lender's profile and map Reviews Synergy Mortgage Solutions LLC 7186 South Ukraine Street, Aurora, CO, 80016 We are independent mortgage brokers offering both purchase and refinance options for Conventional, FHA and VA mortgages. With our wealth of knowledge after nearly 20 years of industry experience our clients not only enjoy a smooth and fast process but also the lowest rates and costs for their specific scenario.
(303) 768-8559 Lender's profile and map Reviews Custom Mortgage Solutions LLC 7995 South Coolidge Way, Aurora, CO, 80016 Custom Mortgage Solutions, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
(719) 473-5310 Lender's profile and map Reviews Pikes Peak National Bank 2401 W. Colorado Ave, Colorado Springs, CO, 80904 Pikes Peak National Bank was opened in 1957 by local business people from the west side of Colorado Springs. It is one of the few independent banks left in the region. In 2020, we are grateful to celebrate 63 years of service to the Pikes Peak region. We are in business to help local small businesses and families achieve their dreams.
(719) 201-7107 Lender's profile and map Reviews Abundant Mortgage Lending Inc 2950 Professional Place, Suite 209, Colorado Springs, CO, 80904 As mortgage brokers, we have access to a wide range of loan programs. We can provide you an efficient closing process with competitive rates. We are committed to finding a home loan solution to fit your needs, whether it is a new purchase loan, construction loan, refinance loan or a home improvement loan. Your best interest is our priority.
(719) 475-1072 Lender's profile and map Reviews Equity Lending Mortgage Inc 720 Marlstone Place, Colorado Springs, CO, 80904 Equity Lending Mortgage Inc is a mortgage broker based in Colorado Springs dedicated to helping home owners make well informed and strategically smart choices regarding home financing and first time purchasing a home or you have been through the process before, we can guide you through the process
(505) 259-4026 Lender's profile and map Reviews True Lending New Mexico 9400 Holly Ave, Albuquerque, NM, 87122 We are a local, woman owned mortgage broker company dedicated to helping New Mexico families with all your financial needs! True Lending New Mexico helping New Mexico with home purchases, refinancing needs, construction loans and business equipment loans, Offering Conventional, FHA, VA, Jumbo and Non-QM funding.
(505) 866-1470 Lender's profile and map Reviews RPM Lending 526 Sun Ranch Village Loop, Los Lunas, NM, 87031 We are one of the only few locally owned mortgage brokers in New Mexico. We are passionate over our clients, to us, it’s more than just buying a house, it’s a home, where lasting memories will be made. Our goal and motto is to turn our clients into friends and neighbors with our service, care and expertise.