USDA Vs. FHA Pro and Con comparison in Galt, Sacramento County, CA

In 2025, USDA loan limit in Galt, county of Sacramento, CA is $540,000 while FHA limit is $763,600 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 Galt, county of Sacramento, CA

Loan Type Loan Limit Down payment
USDA $540,000 0%
FHA $763,600 3.5%
Conventional Conforming $763,600 3%

USDA and FHA loan options in Galt, 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?



  • JetStream Federal Credit Union
  • 15420 NW 77 Court, Miami Lakes, FL, 33016
  • JetStream Federal Credit Union has provided quality financial services to its members, earning a reputation of excellence and achievement. JetStream Federal Credit Union; a low income designated credit union with 75% of our members in Miami Dade County and Puerto Rico residing in low income zip codes.
  • BankUnited
  • 14817 Oak Lane, Miami Lakes, FL, 33016
  • BankUnited, Inc., with total consolidated assets of $35.8 billion at December 31, 2021, is a bank holding company with one wholly owned subsidiary, BankUnited. BankUnited, a national banking association headquartered in Miami Lakes, Florida, provides a full range of banking services to individual.
  • LTR Capital Partners
  • 2300 West 84th Street, Suite 404, Hialeah, FL, 33016
  • 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.
  • Dark Horse Home Loans LLC
  • 14054 Northwest 82nd Avenue, Suite B, Miami Lakes, FL, 33016
  • We are a real estate solutions and investment firm that specializes in helping property owners get rid of burdensome real estate fast. We are investors and problem solvers who can buy your property fast with a fair all cash offer. We will give you a free, as-is, no-obligation cash offer for your property within 24 hours.
  • Elite Lending LLC
  • 14750 Northwest 77th Court, Suite 205, Miami Lakes, FL, 33016
  • At Elite Lending, we pride ourselves on being innovative, efficient, and accountable. Our goal is to provide our clients with the most efficient and stress-free loan process experience. We achieve this goal through our knowledgeable staff combined with our innovative technology. Throughout the process,
  • MoneyOne Corporation
  • 7900 Oak Lane, Suite 400, Hialeah, FL, 33016
  • "Directly involved in the Real Estate and Financial industry, in 1996 Mr. Martinez founded MoneyOne Mortgage which during the mid 2000 and licensed in 5 Stated the company’s funding yearly volume rose to over $70 million with 13 MoneyOne Realty franchise offices. In the early days, shortly after College, Frank started his own Advertising"
  • EquiMortgage Bankers Corp
  • 14062 Northwest 82nd Avenue, Miami Lakes, FL, 33016
  • The EquiMortgage Bankers, Corp team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • MaraiD Lending Group
  • 7900 Oak Lane Suit 400, Miami Lakes, FL, 33016
  • MARAID LENDING LLC Help Clients Finance their Dream Homes. We do Residential, Commercial Loans and Private Lending. We have the lowest closing costs and interest rate. Our priority is to be the premier mortgage service provider in the mortgage industry. Y para un mejor servicio hablamos español.
  • MCM Capital Solutions
  • 14100 Palmetto Frontage Road, Suite 304, Miami Lakes, FL, 33016
  • MCM Capital Solutions is a Direct Mortgage Lender that has been in in the industry since 1998. MCM has a suite of loan products at our disposal and can have one of our licensed sales representatives walk you through each one to ensure you are utilizing the best product for your real estate needs.
  • American Bancshares Mortgage, LLC
  • 14261 Commerce Way Suite 100, Miami Lakes, FL, 33016
  • American Bancshares Mortgage, Miami Lakes, FL, founded in 1995 as a mortgage banking firm. Company originates residential mortgage loans through retail branchess located througout the Sourtheast US. We are a Fannie Mae Seller/Servicer, FHA Direct Endorsed, VA Automatic, USDA lender.
  • First Origin Mortgage Lenders, Inc
  • 14100 Palmetto Frontage Rd Suite 210, Miami Lakes, FL, 33016
  • First Origin, our mission is simple; to raise the measure of standards in the mortgage industry. We are committed to quality customer service and helping everyone we serve in obtaining the right loan product that not only puts them in their dream home but allows them to save money in the long run.
  • The Force Group
  • 14160 Palmetto Frontage Rd, Suite 101, Hialeah, FL, 33016
  • We are a mortgage company that personally guides clients through their loan options, finding the most suitable program for them. For those that are not sure if they are financially ready or that may have credit issues, we provide consultation backed by 35 years of experience to help prepare you for a mortgage loan.