In 2025, 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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $341,900 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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