USDA Vs. FHA Pro and Con comparison in Granite-Bay, Placer County, CA
In 2025, the USDA loan limit for Granite-Bay, situated in Placer county, CA, is $486,400, whereas for a single-family home, the FHA limit is $598,000.
Leverage the Lendersa® USDA loan calculator to evaluate and compare today's premier USDA versus FHA rates, assessing the income, credit, reserves, and documents necessary for qualification. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, enabling you to select the most suitable option for your financial scenario in .
2025 Loan Limits and Down Payment Requirements in Granite-Bay, Placer, CA
Loan Type
Loan Limit
Down Payment
USDA
$486,400
0%
FHA
$598,000
3.5%
Conventional Conforming
$598,000
3%
Exploring USDA and FHA Loan Options in Granite-Bay, CA
Lendersa® strives to facilitate a quick, hassle-free acquisition of the best USDA or FHA loan. Choose one of three starting paths that connect you with lenders and allow exploration of USDA loan offerings.
A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the Department of Agriculture. It is available exclusively in rural neighborhoods. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans require no down payment at all.
1155 Kelly Johnson Blvd, Suite 111, Colorado Springs, CO, 80920
U.S. Capital has been helping individuals, families and businesses achieve their financing goals by providing purchase loans and refinances on both residential and commercial properties for over 30 years. The company is currently offering residential mortgages in the state of Colorado
7660 Goddard Street, Suite 120, Colorado Springs, CO, 80920
We offer the lowest mortgage rates on VA, Conventional and FHA home loans in Colorado Springs. Our top priority is to provide exceptional customer service which includes the use of leading edge digital technology. We're locally owned and operated in Colorado Springs and providing mortgage services to our community since 1998.
7660 Goddard Street, Suite 234, Colorado Springs, CO, 80920
Luckybulb Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you personalized service.
We’ve simplified the mortgage process and paired it with a level of service you expect from an elite broker. Passionate about educating our clients and earning our commission. Let’s talk about your goals, and how we can help accomplish them. It costs nothing to find out what we can do for you, and takes only a few min on the phone.
1155 Kelly Johnson Blvd, Suite 111, Colorado Springs, CO, 80920
We have the knowledge and ability to help you achieve your goals. Whether you’re Purchasing your first home, investment property, or Refinancing your existing home, it can become complex very quickly unless you have the right team of professionals behind you. We offer you the tools and information needed to make an educated decision.
1755 Telstar Dr, Suite 109, Colorado Springs, CO, 80920
At PenTrust, we are driven to deliver a seamless and stress free loan approval process when financing your new or existing home. Our experienced team will provide the knowledge and guidance necessary to ensure a smooth experience while our vast product offerings ensure we match you to the perfect loan.
1880 Office Club Point, Suite 1200, Colorado Springs, CO, 80920
This company was founded on 35 years of experience in the mortgage lending industry. We strive to take care of and support your needs now and in the future because, A Plus Mortgage is proud to partner with carefully chosen and well-qualified, licensed and insured loan processors who share over forty years combined experience
Pikes Peak Credit Union was Established in 1932. In 2012, we celebrate our 80th Anniversary. We are the oldest credit union in Colorado Springs & the 4th oldest in CO. Our Members are also owners of Pikes peak Credit Union & since credit unions are "not-for-profit", member-owned financial cooperatives, all profits are returned to our membership.
685 Citadel Dr E, Suite 290-9, Colorado Springs, CO, 80909
LCMLoans was created to be the low cost provider of mortgage loans. The owner is a Vet who has a degree in finance and has years of experience in all facets of Real Estate including mortgage lending.
SAVE Thousands! Low Interest Rates and NO Lender Fees. You would be hard pressed to find a better deal on a home loan
2020 N. Academy Blvd, Suite 282, Colorado Springs, CO, 80909
We are committed to delivering you the very best mortgage experience. Our team of loan officers has extensive experience in VA, Conventional, and FHA home loans. we are proud to be approachable, proficient, and be able to provide an extraordinary level of service. Our customers are the most important part of our business.
Access Financial Group, LLC funds hard money loans on real estate located in the State of Colorado. Our company offers purchase and refinance loans to both owner occupied and investment borrowers, when other lenders say no. We can fund 1st and 2nd real estate loans on single-family homes, commercial properties, and vacant land
Redstone Bank is a full-service community bank offering you and your business all the products and services you will need as a valued banking customer. We make banking simple. No fancy names, no confusing fee schedules; just banking products and services that will help to streamline your banking functions and make life a little easier.
