USDA and FHA Pro and Con in Garden-Acres, San Joaquin County, CA
During 2025, the USDA loan cap in Garden-Acres, within San Joaquin county, CA is set at $556,200. Meanwhile, the FHA cap for single-family homes is $483,000.
Employ the Lendersa® USDA loan calculator to contrast today's top USDA versus FHA rates. This tool will guide you in assessing the necessary income, credit, reserves, and documentation for eligibility. Through our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA programs side by side, helping you decide on the best option for your specific financial needs in .
Overview of 2025 loan limits and down payment requirements in Garden-Acres, San Joaquin, CA
Loan Type
Loan Limit
Down Payment
USDA
$556,200
0%
FHA
$483,000
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Garden-Acres, CA
The aim of Lendersa® is to provide you with the most favorable USDA or FHA loan, efficiently and with ease. Opt for one of the three pathways to align yourself with suitable lenders and USDA loan schemes.
The USDA home loan is a government-backed loan by the Department of Agriculture, commonly called the USDA rural development loan or USDA mortgage. These loans are available in rural areas exclusively. Unlike FHA loans, which necessitate at least a 3.5% down payment, USDA loans require no down payment at all.
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