USDA Vs. FHA Pro and Con comparison in Eureka, Humboldt County, CA

In the year 2025, the USDA loan limit set for Eureka in the county of Humboldt, CA, is $400,000. However, the FHA limit designated for a single-family residence is $472,030.

Employ the Lendersa® USDA loan calculator to contrast today's best USDA and FHA rates and qualifications criteria, including income, credit scores, and necessary reserves, as well as required documents. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loan options side by side to choose the most suitable program for your financial circumstances, especially in .

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2025 Loan Limits and Down Payment Requirements in Eureka, Humboldt, CA

Loan Type Loan Limit Down payment
USDA $400,000 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Eureka, CA

The aim of Lendersa® is to facilitate quick and easy access to the most advantageous USDA or FHA financing options for you. Choose among three pathways that will connect you with lenders and USDA loan arrangements.

Lendersa USDA loan request and matching outcomes

Defining USDA Loans in CA

A USDA home loan, backed by the government via the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively offered in rural locales. In contrast to FHA loans necessitating a minimum 3.5% down payment, the USDA mortgage allows for zero down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Guaranty Federal Mortgage
  • 6351 Preston Rd, Suite 125, Frisco, TX, 75034
  • Founded and based in Texas, GFM has served the Lone Star State exclusively since 2005. Our core business philosophy is revolutionizing how customers get mortgage loans with a rare combination of GREAT Service and Low Rates. Unlike traditional lending our Loan Advisors are not compensated by the rates or fees charged on loans.
  • V3 Lending
  • 2591 Dallas Parkway, Frisco, TX, 75034
  • V3 Lending approaches commercial real estate and business lending with our clients in mind. We understand that each client’s situation is unique and not everyone falls under a black and white lending guideline. Business owners and real estate investors frequently need customized financing solutions that resolve their unique situation.
  • MDN Capital Consulting LLC
  • PO Box 1435, Frisco, TX, 75034
  • We can structure commercial real estate scenario for refinancing or purchase. With our years of experience and extensive funding sources, we’re able to secure financing for even the most difficult transactions. The mission of MDN Capital Consulting, LLC is to be more than just a mortgage brokerage firm. We strive to provide guidance
  • Evolve Mortgage Services
  • 6136 Frisco Square Blvd, Suite 350, Frisco, TX, 75034
  • "At Evolve, we empower mortgage lenders, servicers and investors with the ability to focus on high value activities that grow revenue, while letting others handle routine tasks. By outsourcing time-consuming work that fluctuates with volume and unpredictable market influences, Evolve enables companies to streamline operations while dramaticall
  • Thorn Home Loans
  • 4645 Wyndham Ln, Suite 130, Frisco, TX, 75034
  • Pam Thorn connect people with their dream of home ownership, whether first-time buyers, move-up buyers or those wanting to refinance. By reviewing goals and discussing options up front, I can provide loan programs that meet needs and enhance long-term wealth. Pam Thorn is a concierge lender, available outside of "banker hours".
  • Lear Financial Group LLC
  • 2814 Hidden Knoll Trail, Frisco, TX, 75034
  • Lear Financial Group both retail and wholesale mortgage lending as Branch Trainer, Senior Account Executive, Sales Manager, Sales Training Manager and Loan Officer. My extensive experience helps me to ensure that my clients are not only getting the best loan for their unique situation
  • dlb Mortgage Services LLC
  • 6160 Warren Parkway, Suite 100, Frisco, TX, 75034
  • Debbie Bloyd, the founder of DLB Mortgage Services, has had experience in mortgage, estate planning, investments, insurance, and real estate. We provide the best rates and overall financial analysis for our clients. Debbie has a real estate license and helps you navigate any problem you are facing.
  • Virtuous Mortgage Lending, LLC
  • 6735 Salt Cedar Way, Building 1, Suite 300, Frisco, TX, 75034
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • S & S Funding Inc
  • 5899 Preston Road, Suite 1203, Frisco, TX, 75034
  • S&S Funding Inc. We are licensed mortgage Company dedicated to providing a fast, transparent mortgage experience backed by superior customer support. From our offices in Frisco Tx, we're using diversified, tailored fit loan program to change the way people finance their dream homes
  • Miracle Lending, LLC
  • 8668 John Hickman Parkway, Unit 604, Frisco, TX, 75034
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • The Mortgage Brokers, LLC
  • 6733 Salt Cedar Way, Building 1, Suite 378, Frisco, TX, 75034
  • The Mortgage Brokers LLC values building strong relationships and making good mortgage loans. We work on your behalf to find the best loan option with the lowest fees. At The Mortgage Brokers, you are the priority. We make finding the best rate easy. Because we have access to multiple lenders, we can find you the best deal.