USDA Vs. FHA Pro and Con comparison in East-Oakdale, Stanislaus County, CA

In 2025, USDA loan limit in East-Oakdale, county of Stanislaus, CA is $354,100 while FHA limit is $396,750 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.

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2025 loan limits and downpayment requirments in East-Oakdale, county of Stanislaus, CA

Loan Type Loan Limit Down payment
USDA $354,100 0%
FHA $396,750 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in East-Oakdale, 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?



  • Blisss Life Enterprises
  • 3200 E Guasti Rd, Suite 100, Ontario, CA, 91761
  • "The Blisss Life Agency, a full-service mortgage and residential real estate brokerage offering a first class experience. Blisss Life, a wealth building brand dedicating to educating African American millennials learn to respect money so that they can live a financially free, blisssful life."
  • CalShield Home Loans Inc
  • 3200 E Guasti Rd Ste 100, Ontario, CA, 91761
  • The goal of CalSHIELD Home Loans, through a philosophy of ethical lending principles, is to provide a safe haven for borrowers where fees and costs are firmly set and where rates are the best available in order to fully care for every need our clientele may have.Nicholas Wright is the owner of CalSHIELD Home Loans.
  • Golden Empire Mortgage
  • 3281 Guasti Rd, Ontario, CA, 91761
  • Golden Empire Mortgage a group of highly motivated and dedicated professionals that proudly provides their valued clients with the absolute best in financial advice,Our office has built a business model surrounding the concept of lending better in a market that is in need of better lenders
  • California Financial Center
  • 3200 East Guasti Road, Ontario, CA, 91761
  • California real estate and mortgage industries since 2001 and have successfully helped 100s of clients buy & finance their homes. Since the crash of the real estate market at the end of 2006 we've also had to adapt to the changing market helping many people successfully short sell their homes to avoid foreclosure
  • Home Loans by Karyn
  • 27215 Highway 189, Suite C, Blue Jay, CA, 92317
  • Karyn Weger is the Branch Manager and Senior Loan Officer at Home Loans by Karyn in Lake Arrowhead, California. She first entered the mortgage industry after a bad experience as a customer while obtaining a mortgage for herself. An unscrupulous loan officer left her with a bad taste for the business.
  • 908 Mortgage
  • 6216 E Pacific Coast Hwy, Suite 242, Long Beach, CA, 90803
  • 908 Mortgage are looking to recruiting experienced Loan Officers who are tired of the Direct Lender, Corporate scene. We can move Fast! From Loan App to funding in 10 days. Direct lenders have overhead: Corporate, Managers, Staffing, HR, etc. These costs are passed on to the borrower. They cannot compete with our rates.
  • American West Mortgage
  • 55318 E 2nd St, Suite 584, Long Beach, CA, 90803
  • American West Mortgage since in 1991 and this company president of the Roger Hinkle American West Mortgage Mortgage Banking and Broker of home loans. We make home loans primarily in California. Conventional, FHA, Jumbo. Fixed and Adjustable rate loans. Both Residential and Commercial properties.
  • Woody Financial Realty Corp.
  • 5580 E. Second Street Suite 211, Long Beach, CA, 90803
  • Woody Financial Realty Corporation is a member of the Pacific West Association of Realtors, the Southern Regional Multiple Listing Service and the California Mortgage Association. The Company markets aggressively in large Broker network marketing sessions and in Real Estate publications.