USDA Vs. FHA Pro and Con comparison in Fair-Oaks, Sacramento County, CA
In 2025, the USDA loan limit for Fair-Oaks, located in Sacramento county, CA, is $478,400, whereas the FHA limit for a single-family home is set at $598,000.
Take advantage of the Lendersa® USDA loan calculator to evaluate the best available rates between USDA and FHA today. Determine the required income, credit, reserves, and documentation necessary to qualify. With our sophisticated mortgage calculator, view USDA, FHA, Conforming, and VA loans side by side, helping you decide which program is most advantageous for your financial situation in .
2025 Loan Limits and Down Payment Requirements in Fair-Oaks, Sacramento, CA
Type of Loan
Loan Limit
Down Payment
USDA
$478,400
0%
FHA
$598,000
3.5%
Conventional Conforming
$598,000
3%
Options for USDA and FHA Loans in Fair-Oaks, CA
The objective of Lendersa® is to swiftly and effortlessly secure the optimal USDA or FHA loan for you. Start with one of three pathways to match with lenders and explore USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is supported by the Department of Agriculture and available solely in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans demand no down payment.
HomeRun is offered to a limited number of homebuyers each month. The first step is to register. You receive priority on a first-to-register basis.
If you already are shopping for a home, register immediately to qualify for HomeRun benefits. If you plan to begin shopping for a home at any time in the next 12 months.
Lehigh Valley Educators Credit Union came into existence on January 19, 1934, chartered in the State of Pennsylvania as a State Credit Union. Its purpose was to promote thrift among its members and make a means of credit available for provident and productive purposes. The original field of membership consisted of teachers
Allentown Federal Credit Union has been open since 1955. The credit union has assets totaling $88.95 Million and provides banking services to more than 6, 000 members.
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People First Federal Credit Union is a not-for-profit and member-owned, caring provider of financial services. We are dedicated to helping the people of the Lehigh Valley and beyond improve their lives and secure a better future. Our mission is to provide the highest quality of financial services in a friendly, convenient, personalized atmosphere.
1255 S. Cedar Crest Blvd, Suite 1630, Allentown, PA, 18103
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1255 S. Cedar Crest Blvd. STE 1620, Allentown, PA, 18103
We pride ourselves on exceeding our customer’s expectations in finding the competitive rates, service, and options for a home loan that’s right for you. Whether you want a better rate, a large amount of guidance, or a more complex financing package, we realize you are unique and we’ll work with you to form a loan that is for you.
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740 Hamilton Street, Suite 300, Allentown, PA, 18101
People First Federal Credit Union is a not-for-profit and member-owned, caring provider of financial services. We are dedicated to helping the people of the Lehigh Valley and beyond improve their lives and secure a better future. Our mission is to provide the highest quality of financial services in a friendly, convenient
