USDA Vs. FHA Pro and Con comparison in Diamond-Springs, El Dorado County, CA
In 2026, the USDA loan limit in Diamond-Springs, El Dorado, CA is $478,400, whereas the FHA limit for a single-family home is $598,000.
Utilize Lendersa®'s USDA loan calculator to evaluate the top USDA and FHA rates available today. Determine the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options in parallel, aiding your decision for the suitable program in that meets your financial needs.
2026 Loan Limits and Downpayment Requirements in Diamond-Springs, 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
The aim at Lendersa® is to efficiently secure the best USDA or FHA loan quickly and easily. Choose from three starting options to connect with matching lenders and access USDA loan programs.
USDA home loans, guaranteed by the U.S. Department of Agriculture and often called USDA rural development loans, are available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA mortgages need no down payment.
Superb Mortgage and Real Estate was founded in 2008. This is a full service mortgage and real estate company. We specialize in finding the best mortgage for our clients financial situation. On the Real Estate side we also offer experienced agents who can assist with the purchasing or selling of residential properties.
1978 Dave Mugg began his career in the mortgage industry, joining a nationwide mortgage company and becoming one of the top producers in the country. After 3 years of working within the corporate structure, Dave realized the need for one on one service was not being met. In 1981 he started what is now called Oak Mortgage.
310 Via Vera Cruz Suite ste 210 and 211, San Marcos, CA, 92078
VanDyk Mortgage was organized in 1987 by Founder and CEO Thomas L. VanDyk in Grand Rapids, Michigan.As a national Mortgage Banker, we have been committed to providing residential 1 to 4 family home loans to consumers for over 30 years.We currently have over 500 employees with 93 branch office locations in 38 states across the U.S.
Labrador Consulting Inc. was founded in 2008. We specialize in an assortment of home loan products for California home owners.Our team is committed to providing our clients with the best advice with a goal of complete customer satisfaction. Whether you are purchasing your dream home, refinancing your current loan.
We pledge to provide education, guidance, and resources to help our clients achieve financial goals and to improve their financial stability. We are committed to maintain a superior level of integrity and customer service in order our clients to feel empowered to make important financial decisions during and after loan transaction process.
Enact Partners is a hard money lender providing business purpose loans that are collateralized by real estate. Located in Southern California, we pride ourselves on customer service, fast and efficient loan validation, allowing you to be an effective real estate entrepreneur. We build customized investment portfolios secured by real estate.
7668 El Camino Real, Ste 104-128, Carlsbad, CA, 92009
We are a team of Real Estate professionals with over 50 years of combined experience. As Investors ourselves, we have developed, rehabilitated, lent on, invested in approximately $1 billion dollars in real estate; we appreciate the importance of securing reliable and predictable funding and investment solutions.
At Mohave Community Federal Credit Union, individuals and families will be treated with care and respect, along with user-friendly tools and banking products. The member-owned institution provides both checking and savings accounts, as well as retirement accounts and overdraft protection.
Mission Bank is an independent, locally owned and managed community bank. Our primary goal is to provide you, our customer, with the highest level of premier, personalized service. We are a full service commercial and consumer banking institution. We offer a full range of banking products for businesses, professional firms.
