USDA Loan Vs. FHA loan pro & con 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.

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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.

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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.

(616) 805-5807 Lender's profile and map Reviews Lake State Mortgage 5500 Northland Dr NE, Suite J, Grand Rapids, MI, 49525 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.
(231) 775-2081 Lender's profile and map Reviews Wexford Community Credit Union 1021 North Mitchell Street, Cadillac, MI, 49601 Wexford Community Credit Union is a full-service, not-for-profit financial institution. We offer our members attractive rates and terms on all types of services. The employees of Wexford Community Credit Union pride themselves on the personal service they provide to you, our member.
(231) 779-9817 Lender's profile and map Reviews Genisys Mortgage Professionals 116 E. Nelson St., Cadillac, MI, 49601 Genisys Mortgage Professionals was formed to provide maximum financing choices to our community. Specifically, we designed Genisys to provide specialized service to the primary residence market and especially to first-time home buyers. In 2010, Genisys became part of J. Virgil, Inc., a full service mortgage lender.
(317) 352-0423 Lender's profile and map Reviews Family Horizons Credit Union 6665 E 21st Street, Indianapolis, IN, 46219 Family Horizons was founded in 1954, when we received a credit union charter allowing us to serve the financial needs of Naval Avionics’ employees and their families. The original “branch” was located within the Naval Avionics facility, about a mile from where the current East 21st Street branch is located
(317) 351-5235 Lender's profile and map Reviews KEMBA Credit Union 444 South Shortridge Rd, Indianapolis, IN, 46219 On October 9, 1933, KEMBA Indianapolis Credit Union was chartered to serve the employees of the Kroger Company and their families in and around Indianapolis. The credit union was started by a group of Kroger employees who needed a safe place to save and borrow. KEMBA is an acronym for “Kroger Employee Mutual Benefits Association”.
(256) 386-3000 Lender's profile and map Reviews TVA Community Credit Union 1405 South Wilson Dam Rd, Muscle Shoals, AL, 35661 TVA Community Credit Union has been defined by a renowned commitment and dedication to our members and to our community. This constant commitment is reflected in our enhanced service innovations and unequaled member service. In a financial age that has seen ever rising account fees and charges, TVACCU 's Totally Free Accounts remain a true rarity.
(256) 314-1600 Lender's profile and map Reviews First Metro Bank 406 West Avalon Avenue, Muscle Shoals, AL, 35661 First Metro Bank has planted roots in our community since 1988. We’ve helped our Neighbors raise families, open businesses, and plan for the future. It is our way of doing business that separates us from the crowd, and allows our customers to know that they are far more than just a number.
(256) 383-9204 Lender's profile and map Reviews Listerhill Credit Union 4790 East 2nd Street, Muscle Shoals, AL, 35661 "Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community. In 1952, seven Reynolds Metals employees came together to combat the growing issue of predatory lending to other vulnerable plant workers. At the time, loan sharks would lend money with outrageous interest rates and sometimes never-ending terms."
(270) 526-3881 Lender's profile and map Reviews Morgantown Bank & Trust 201 N Main Street, Morgantown, KY, 42261 Morgantown Bank & Trust is an independent financial institution which strives to be an asset to our communities through community involvement. We understand the importance of our employees and strive to attract, develop, and retain employees of the highest character and competence.
(260) 710-2369 Lender's profile and map Reviews Bailey & Wood Financial Group 740 Main Street, Whiteland, IN, 46184 Wood, Bailey & Wood Financial Group is designed to bring a simple concept to the home lending process. Service is the key and is what separates us from other lenders and banks.From the start Bailey & Wood sat out to change the thoughts and perceptions of what a Mortgage Company was and how they conducted business.
(888) 627-2002 Lender's profile and map Reviews First Indiana Mortgage 11216 Fall Creek Road, Suite 118, Indianapolis, IN, 46256 First Indiana Mortgage provides comprehensive residential mortgage solutions in the state of Indiana. We pride ourselves on our ability to offer low rates with excellent customer service. residential mortgage solutions in the state of Indiana. We pride ourselves on our ability to offer.
(317) 362-0378 Lender's profile and map Reviews Firstar Financial Inc 10502 Schooner Court, Indianapolis, IN, 46256 Firstar Financial is a full service mortgage company that works hand-in-hand with its customers throughout the whole loan process. Since we are a referral-based mortgage company, customer service is our number one priority. That is why at Firstar Financial, we go out of our way to make sure each and every customer is given superior service.