USDA Vs. FHA Pro and Con comparison in Folsom, Sacramento County, CA
In 2025, the USDA loan limit for Folsom, located in the county of Sacramento, CA, is $540,000. Meanwhile, the FHA limit for a single-family home stands at $763,600.
Utilize the Lendersa® USDA loan calculator to explore and compare today's leading USDA versus FHA rates. This tool helps identify the necessary income, credit, reserves, and documentation required to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA side by side, aiding your decision on which program in aligns best with your financial needs.
Details for 2025 Loan Limits and Downpayment in Folsom, County of Sacramento, CA
Loan Type
Loan Limit
Down Payment
USDA
$540,000
0%
FHA
$763,600
3.5%
Conventional Conforming
$763,600
3%
Exploring USDA and FHA Loan Options in Folsom, CA
The objective of Lendersa® is to ensure you obtain an ideal USDA or FHA loan quickly and without hassle. Choose among three pathways that lead to matching with lenders and accessing USDA loan programs.
The USDA home loan is backed by the government through the Department of Agriculture, often called a USDA rural development loan or USDA mortgage. This loan is available exclusively in rural areas. Unlike FHA loans which require at least a 3.5% down payment, the USDA mortgage necessitates no down payment, providing an affordable option for eligible rural residents.
You won’t be surprised to know that for many banks and lenders financing loans aren’t about people and their dreams, it’s about dollars. And that’s okay, because well, they’re banks. But for Athena, finding the right loan for someone has always been about the person who comes into my office and sits across the desk from Athena Paquette.
21250 Hawthorne Boulevard, Suite 700, Torrance, CA, 90503
Family 1st Mortgage always a good time to purchase your very first home, securing your part of the American Dream. Interest rates are at an all time low Pre-qualify today for free and also Family 1st Mortgage Specialties in fha loan, VA loan,CONVENTIONAL LOANS, USDA LOAN REVERSE MORTGAGE and more facility.
350 South Crenshaw Boulevard, Suite A105, Torrance, CA, 90503
CNMR Group is a mortgage and real estate firm that has been providing mortgage lending and real estate services to homebuyers and real estate investors throughout the United States for more than 15 years. Our mortgage and real estate firm in Southern California offers a personal touch to each transaction.
3655 Torrance Blvd. Suite 425, Torrance, CA, 90503
S.O.S. Loans, Inc. is a California finance company that offers consumers access to unsecured personal loans. Since 1998 and also S.O.S. Loans offers personal installment loans to qualified borrowers completely online and through the electronic banking system. Our process is so fast and simple you could have your funds within a few hours
Rancho Federal Credit Union (RFCU) has been serving members and families since 1936 – meaning that we are celebrating our 85th anniversary this year. Rancho Federal has strong ties to union workers, and a long tradition of dedicated service. Unlike profit-driven banks, Rancho Federal believes it is our obligation to promote financial literacy.
American 1st Home Loans offers a variety of loan programs. Perhaps you might be looking for your first home, an investment home or even a second/vacation home. Maybe you just need to only refinance your existing mortgage into a lower fixed rate or refinance your mortgage while consolidating other high interest loans.
SPADA, Italian for sword, epitomizes our strength, will, and ambition to cut down the time and money it takes to buy a property. It is recommended that you shop around with 3 or 4 lenders before you make a mortgage or loan decision. But with SPADA, we have partnerships with dozens of lenders and can do the shopping for you.
8345 Firestone Boulevard, Suite 320, Downey, CA, 90242
Pillar Financial supports customers by providing Commercial and Residential lending solutions to help our customers reach their Real Estate goals you are in the research phase at the beginning of your refinancing or purchase search, And also founder of the Jonathan Calderon want to help you I am a real estate professional and finance specialist.
