In 2025, the USDA loan limit for Desert-Palms, which is in Riverside, CA, is $381,800. Meanwhile, the FHA limit for a single-family home is $477,250.
Use the Lendersa® USDA loan calculator to evaluate current USDA versus FHA rates and understand the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, guiding you to decide which option, like those in Alabama, best fits your financial needs.
2025 Loan Limits and Down Payment Requirements in Desert-Palms, Riverside, CA
Loan Type
Loan Limit
Down Payment
USDA
$381,800
0%
FHA
$477,250
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Choices in Desert-Palms, CA
Lendersa® strives to provide you with the best possible USDA or FHA loan quickly and effortlessly. Select from one of three starting points that will match you with lenders and USDA loan programs fitting your criteria.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available in rural areas only. Unlike FHA loans, which typically require a minimum 3.5% down payment, USDA loans have no down payment requirement.
HPI Financial team is committed to providing our clients with the highest quality financial services combined with low rates and varied loan options. Our outstanding HPI Financial mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
1250 San Carlos Avenue, Suite 101, San Carlos, CA, 94070
"We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.
We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending"
790 Laurel Street, Suite 11, San Carlos, CA, 94070
Our company specializes in residential loans, and construction loans in Northern California. We will also do hard money and private money loans in the San Francisco Bay Area. We do provide construction money in many circumstances, usually in Northern California, for both spec and owner occupied projects
Borrowing money, whether for a dream home or an investment opportunity, is a significant decision. You deserve more than just an “okay” rate. You deserve the best possible terms that align with your financial goals, whether you’re considering FHA loans in California, jumbo loans in California, or exploring hard money lenders in California.
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Shining Star Funding is committed to providing extraordinary customer service by making our customers’ satisfaction the top priority. Shining Star Funding is also dedicated to delivering quality mortgage solutions that support you in Opening Doors to Home Ownership and also Shining Star Funding is a full service mortgage banker.
2600 Old Crow Canyon Road, Suite 201, San Ramon, CA, 94583
Preferred Mortgage has a seasoned team of experts that hold experience in both residential and commercial property loans. Operating in the San Francisco Bay Area we help first-time home buyers, individuals, families, and real estate investors acquire cost effective loans at the best rates possible.
3130 Crow Canyon Pl, Suite 270, San Ramon, CA, 94583
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
2400 Camino Ramon, Suite 129, San Ramon, CA, 94583
As a licensed mortgage broker in California, our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide residential / commercial mortgage loans to our clients while providing them with the lowest interest rates and closing costs possible.
2600 Old Crow Canyon Rd, Suite 201, San Ramon, CA, 94583
A key advocate for the local schools, Jason Brown shares his success in business with the youth of today. With over 25 years of experience in the mortgage business Jason created a nonprofit, SaveCASchools.org, which focuses on donating money to schools to help them better assist students in San Ramon Valley.
2603 Camino Ramon, Suite 417, San Ramon, CA, 94583
At Venstar Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
