USDA Vs. FHA Pro and Con comparison in Gold-River, Sacramento County, CA

In 2025, USDA loan limit in Gold-River, county of Sacramento, CA is $478,400 while FHA limit is $598,000 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Gold-River, county of Sacramento, CA

Loan Type Loan Limit Down payment
USDA $478,400 0%
FHA $598,000 3.5%
Conventional Conforming $598,000 3%

USDA and FHA loan options in Gold-River, 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?



  • Cochise Credit Union
  • 170 N. Haskell, Willcox, AZ, 85643
  • Cochise Credit Union was state chartered in 1958 in Willcox, AZ to serve the financial needs of Sulphur Springs Valley Electric Cooperative (SSVEC) employees and their families. Over the years the credit union has expanded their field of membership to serve the following zip codes: 85643, 85644, 85625, 85605, 85606,
  • Gunnison Savings and Loan Association
  • 303 North Main St, Gunnison, CO, 81230
  • The idea for the local Savings and Loan Cooperative was first conceived by H.W. Endner, who served on its first finance committee in 1911 at the age of 29. Early records indicate that the books and accounts for the firm were originally kept at Endner's business office. The first Board of Directors was composed of C.W. Winslow, E.M. Collins.
  • Gunnison Bank and Trust Company
  • 232 W Tomichi Ave, Gunnison, CO, 81230
  • The Gunnison Bank and Trust Company was issued its Charter from the State of Colorado in 1910. Over the last 100 years, the bank has continually evolved to serve the ever changing financial needs of the Gunnison Valley. The bank now serves the valley with two branches, The Gunnison Bank and The Crested Butte Bank.
  • Routt Federal Credit Union
  • 440 S. Lincoln Ave, Suite B3, Steamboat Springs, CO, 80487
  • Routt Federal Credit Union was chartered in 1964 and currently serves employees of the public school districts in Routt and Jackson Counties, NW Colorado BOCES, Colorado Mountain College in Routt County, UCHealth Yampa Valley Medical Center, City of Steamboat Springs, Northwest Colorado Health dba VNA, Discovery Learning Center.
  • MOUNTAIN VALLEY BANK
  • 101 N. 6th Street, Hayden, CO, 80487
  • Colorado hometown bank with locations in Steamboat Springs, Walden, Meeker and Hayden. We also have locations in Wyoming and Nebraska. Our products include personal banking, business banking, loans, checking, savings, CDs, FREE ATM usage for our customers, Cash Back Rewards, credit cards, mortgage loans, car loans, and ag loans.
  • Yampa Valley Bank
  • 600 South Lincoln, Suite 100, Steamboat Springs, CO, 80487
  • Yampa Valley Bank is a truly locally owned Bank serving the people of Routt and Moffat Counties. Our singular commitment to community Banking is reflected in the honest and friendly service provided to all our visitors. It’s what we call Genuine Hometown Banking - it’s who we are.
  • Hamlet Financial Corporation
  • 1445 Red Butte Drive, Aspen, CO, 81611
  • At Hamlet Financial Corporation. We know that each customer has specific needs, so we strive to meet those demands with a wide array of products, exceptional service and individualized attention. We offer an extensive network of lending sources for conforming, jumbo and super jumbo loans for primary residences, second homes
  • SECURITY STATE BANK
  • 201 South 4th Street, Basin, WY, 82410
  • Our mission and strategic plan is to remain locally owned and independent. We believe that our structure enables us to provide the highest standard in financial services including quality service, competitive products, and value to our customers.Additionally, we are committed to exploring new banking solutions.
  • 1st Liberty Federal Credit Union
  • 6200 3rd Avenue North, Great Falls, MT, 59405
  • 1st Liberty Federal Credit Union was founded by Robert "Scotty" Scott and the co-founders: William Dawson, Joel Taylor, Morgan Moyer, Billie Brankovich, Ehud Markel, Kenneth Platt, and M.B. Holt. In June 1955 your credit union was chartered as Great Falls Air Force Base Federal Credit Union.
  • Big Horn Federal Savings Bank
  • 33 North 6th Street, Greybull, WY, 82426
  • Big Horn Federal has provided residents of the Big Horn Basin with 2 essential services: a safe place for their savings & affordable mortgage funds for their home purchases. We have expanded on these services to offer checking accounts, consumer loans, debit cards, wire services, safe deposit accounts and a host of other related financial products.
  • Cuba Credit Union
  • 6347 Main Street, Cuba, NM, 87013
  • Cuba Credit Union was charted in 1972 as a school-based credit union including Cuba Independent Schools and Jemez Mountain Schools. Over the years, there have been several managers and volunteers elected by the membership. These Managers and Volunteers set the foundation for the Credit Union we have today.
  • American Southwest Credit Union
  • 3090 E Fry Blvd, Sierra Vista, AZ, 85635
  • We are a Co-Op and we help you thrive! By providing personal and business financial services to our members, with local decision making and local community investments, everyone benefits. We truly care about the success and financial well-being of our members. And when our members prosper, so do our communities.