USDA Vs. FHA your options comparison in Diamond-Springs, El Dorado County, CA

In 2024, USDA loan limit in Diamond-Springs, county of El Dorado, CA is $478,400 while FHA limit is $598,000 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.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Diamond-Springs, county of El Dorado, CA

Loan Type Loan Limit Down payment
USDA $478,400 0%
FHA $598,000 3.5%
Conventional Conforming $598,000 3%

USDA and FHA loan options in Diamond-Springs, 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?



  • Serve-U-Best Mortgage, LLC
  • 4033 East Palo Brea Lane, Cave Creek, AZ, 85331
  • At Serve-U-Best Mortgage, LLC, we don't quote you a loan program until we understand your goals. We fund loans with many different credit and employment profiles. The majority of the lenders, in the industry, will quote you a rate up front without really listening to your needs. We structure first mortgages refinances, home purchases, seconds etc
  • Mortgage Pro USA
  • 5107 East Lonesome Trail, Cave Creek, AZ, 85331
  • At Mortgage Pro USA we are a full-service mortgage company based in Phoenix, AZ. We specialize in VA, FHA, Jumbo, Conventional and DPA Loans in Phoenix. We also serve the surrounding cities in Maricopa County. Whether you are buying a home or refinancing in Arizona, we can help you realize your dream of home ownership or save you money
  • ELECTRUM FINANCIAL PLLC
  • 27610 N 47th St, Cave Creek, AZ, 85331
  • Our mission is to provide financial services to the entire population of people, not just individuals that are able to meet today’s stringent documentation guidelines. We specifically aim to empower underbanked homeowners and communities by providing access to prime capital. Electrum Financial PLLC is a mortgage broker
  • Jensen Kelly
  • 15608 SE 224th Street, Kent, WA, 98042
  • "At Jensen Kelly LLC we have spent years cultivating relationships not only with our clients, but also with the top quality lenders we broker loans through. We pride ourselves on remaining informed and updated on the continually evolving lending industry. This allows us, as professionals,"
  • Cascadia Mortgage
  • 23302 139th Avenue South East, Kent, WA, 98042
  • The Cascadia Mortgage team is committed to providing clients with the highest quality financial services combined with competitive rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Pinnacle 1 Mortgage LLC
  • 15423 South East 272nd Street, Suite 110, Kent, WA, 98042
  • Pinnacle 1 Mortgage was established by Jeff Coates (LO#: 130695) in June of 2006. Jeff and his staff are well established in the community and pride themselves in excellent Customer Service. Jeff establishes relationships with his clients and provides them with the necessary information to insure a positive transaction.
  • High Peaks Federal Credit Union
  • 222 S Pacific Street, Dillon, MT, 59725
  • High Peaks Federal Credit Union helped members reach their goals for 60 years by providing quality, low-cost financial products and convenient services. As a not-for-profit financial cooperative, we return earnings to our members in the form of higher dividends, lower loan rates and a full range of products and services.
  • Pioneer Federal Savings and Loan
  • 32 N. Washington St, Dillon, MT, 59725
  • Pioneer Federal Savings and Loan Association is dedicated to providing quality services and products to its customers all the while remaining financially strong and adding value to the quality of life in the communities it services. We are proud to have served our communities for over 100 years by helping our neighbors fulfill their dreams.
  • Timberland Bank
  • 624 Simpson Avenue, Hoquiam, WA, 98550
  • Timberland Bank first opened its doors more than 100 years ago in downtown Hoquiam, a booming timber town near the Washington coast. The financial institution evolved with the community, branching out, establishing roots and eventually becoming the community bank that you know today.