USDA Vs. FHA your options comparison in Empire, Stanislaus County, CA
In 2026, the USDA loan limit set in Empire, within Stanislaus county, CA, is $412,000. Conversely, the limit for an FHA loan for a single-family home is $517,500.
You can utilize the Lendersa® USDA loan calculator to compare current USDA and FHA loan rates. This tool also helps you figure out the necessary income, credit score, reserves, and documents to qualify. Our advanced mortgage calculator enables you to compare USDA, FHA, Conforming, and VA loans side by side, helping you choose the right program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Empire, Stanislaus, CA
Loan Type
Loan Limit
Down Payment
USDA
$412,000
0%
FHA
$517,500
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Empire, CA
At Lendersa®, our goal is to secure you the best possible USDA or FHA loan promptly and with ease. You can start with one of three pathways that lead to matching you with lenders and suitable USDA loan programs.
The USDA home loan is supported by the government's Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. These loans cater exclusively to rural regions. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans eliminate the need for a down payment entirely.
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