USDA Vs. FHA Pro and Con comparison in Gustine, Merced County, CA
In 2026, the loan limit for USDA loans in Gustine, located within Merced county, CA, is set at $341,900. On the other hand, the FHA limit for a single-family home is defined as $472,030.
Utilize the Lendersa® USDA loan calculator to juxtapose today’s premier USDA versus FHA rates and assess the necessary income, credit, reserves, and documentation essential for eligibility. Our state-of-the-art mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding you in understanding which program in is the most suitable fit for your specialized financial circumstances.
2026 Loan Limits and Down Payment Requirements in Gustine, Merced, CA
Loan Type
Loan Limit
Down Payment
USDA
$341,900
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Alternatives in Gustine, CA
Lendersa® is dedicated to swiftly securing the optimal USDA or FHA loan for you, devoid of any complications. Choose from three starting scenarios that connect you with relevant lenders and USDA loan programs designed to match your needs.
The USDA home loan, backed by the U.S. government's Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage. These loans are exclusively available in rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgage loans necessitate no down payment at all, enabling eligible applicants to secure a home purchase with zero upfront costs.
Members Mortgage Services connects Credit Unions and their members with competitive mortgage loan products.MMS is owned by a cooperative group of Credit Unions.Together, we are committed to helping our partners & their members with all their home lending needs.Once a home loan is closed, Members Mortgage Services’ support team is easily accessible.
First State Bank was established almost as soon as the town of Hordville started. The bank’s charter is dated September 10, 1906. The building materials were all hauled from Stromsburg by team and wagon. While the building was in progress, the bank operations were transacted in the drug store building as was the post office.
Washita Valley Bank has been your hometown bank since 1902. We offer all of your full service banking needs, right here at home. Michael Sebastian, our current CEO/President, has worked hard to make sure that you continue to receive the best customer service in a friendly atmosphere, just like the good ol' days.
Since 1937, the Bank of Clarks has been committed to providing the very best service to its customers and community. It is their goal to put customers first and help them succeed in making their daily lives easier. Click on any of the links to the left to find out more about our institution.
Henderson State Bank seeks to better our communities in many ways. We offer lending products, with a focus on Ag and Commercial businesses. We have various types of deposit accounts, and other related services, to help anyone with their banking needs. We also are heavily involved in our communities through various service projects, donations.
Southwest Oklahoma Federal Credit Union has been proudly serving the financial needs of our members and neighbors since 1958. It’s our mission to offer our members financial services with technology that fulfill their needs and busy life’s on the go. Service that exceeds their expectations
Brunswick State Bank proudly provides Brunswick, NE and Winnetoon, NE with complete personal and business banking services. The town began in 1879 when the Galloway family moved to Ellsworth Township from Illinois. Each "eligible member of the family" filed homestead claims - the parents and three grown children.
The mission of Genoa Community Bank is to provide financial services to the local market area, to meet the needs of its shareholders and employees, and to assist Genoa and surrounding communities to maintain and grow economic activity. Genoa Community Bank will uphold the highest standards of quality and ethics.
McPherson Co-Op Credit Union has been a member-owned, not-for-profit financial institution. We have come a long way since the card table in the basement! The mission of MCCU is following the credit union philosophy of “People Helping People” by providing quality financial services to our members.
McIntosh County Bank of Ashley, North Dakota was organized September 15, 1911 as the Farmers State Bank of Danzig, North Dakota. By 1913, controlling stock was acquired by J.H. Wishek and Peter Billigmeier. At that time, Danzig was a thriving community with two grocery stores, meat market, lumber yard, hardware store.
The Citizens National Bank is here to help your business. We offer a wide variety of products to include commercial and agricultural real estate loans, residential rental real estate loans, seasonal operating lines of credit, as well as, machinery and equipment financing. These are just a few ways we can help.
