USDA Vs. FHA Pro and Con comparison in Hanford, Kings County, CA

In 2025, the USDA loan limit within Hanford, in the county of Kings, CA, is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

To compare today's USDA and FHA prime rates, utilize the Lendersa® USDA loan calculator to identify the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you to decide which program in best suits your financial needs.

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Loan Limits and Down Payment Requirements for 2025 in Hanford, Kings, CA

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Hanford, CA

Lendersa® strives to secure for you the best USDA or FHA loan quickly, without hassle. Choose from three starting pathways to be matched with lenders and USDA loan programs.

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Understanding USDA Loans in CA

A USDA home loan is endorsed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is available solely in rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA mortgages require no down payment whatsoever.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • The Grant County Bank
  • 3 North Main Street, Petersburg, WV, 26847
  • The Grant County Bank was chartered as a West Virginia state bank on August 6, 1902 and began operations on August 15 with its first office in Petersburg, WV. Our mission of providing financial services and products to families, small businesses and the agricultural community has served both our customers and the bank well over the years.
  • JM Associates Federal Credit Union
  • 9987 Pritchard Road, Jacksonville, FL, 32219
  • JM Associates Federal Credit Union officially opened its doors on October 21, 1980, at the SET Port Facility. A full-service, federally chartered credit union, JMAFCU serves associates and family members in all 50 states and abroad. JMAFCU currently has 5 offices. Two in Jacksonville, FL, Deerfield Beach, FL, Mobile, AL, St. Louis, MO.
  • Mercy Federal Credit Union
  • 11705 Mercy Blvd, Savannah, GA, 31419
  • Mercy Federal Credit Union was chartered on April 12, 1976 with fourteen employees of St. Joseph Hospital being the charter members. They elected a board of directors, a supervisory committee and a credit committee and began accepting members. To provide personal, professional service while offering a variety of products
  • HARBOR MORTGAGE COMPANY
  • 785 King George Boulevard, Suite 201, Savannah, GA, 31419
  • Harbor Mortgage Company, has been working in finance since he graduated from the University of Alabama in 1992 with a degree in corporate finance and investment management. After spending nearly a decade helping clients finance and invest in properties, Mr. Soderlind opened Harbor Mortgage Company in 2001.
  • Griffith Institute Employees Federal Credit Union
  • 64 E Main Street, Suite 3, Springville, NY, 14141
  • The Griffith Institute Employees Federal Credit Union was established in 1961 by a group of teachers employed by the Griffith Institute Central School District. The Credit Union was created to allow the employees of the school district access to savings and loan accounts. In 2002, GIEFCU’s field of membership was expanded to include employees.
  • G.A.P. Federal Credit Union
  • 111 Franklin Street, Room 224, Johnstown, PA, 15901
  • G.A.P. FCU originally started out as Cambria County U.S. Employees Federal Credit Union in 1937. They operated out of a cash box on the first floor of the Johnstown Post Office building, and was renamed to Johnstown, PA Post Office Employees Federal Credit Union in 1941. Credit unions are focused on people, not profits.
  • AmeriServ Financial Bank
  • 216 Franklin St, Johnstown, PA, 15901
  • AmeriServ Financial, Inc., A bank holding company, is the parent of AmeriServ Financial Bank®, AmeriServ Trust & Financial Services Company, and West Chester Capital Advisors. AmeriServ Financial, Inc. trades on the NASDAQ Stock Exchange under the symbol ASRV. At AmeriServ, we believe banking is about more than money.
  • Georgia Heritage Federal Credit Union
  • PO Box 1920, Savannah, GA, 31402
  • At Georgia Heritage FCU, it’s all about you. Our mission is making a positive difference for our members and the communities we serve. As a not-for-profit organization, we put members first. We strive to maintain a one-on-one relationship with our members while providing them with a full line of financial resources.
  • HealthShare Credit Union
  • 1200 N Elm Street, Greensboro, NC, 27401
  • HealthShare Credit Union is a not-for-profit financial cooperative providing the best service to our most important assets - our members. Your credit union was chartered in 1955 to serve the employees of Moses Cone Hospital. Over the next 50 years, as Moses Cone Health System grew
  • Greensboro Municipal Federal Credit Union
  • 217 N Greene Street, Greensboro, NC, 27401
  • Greensboro Municipal Federal Credit Union was originally chartered by the State of North Carolina. In 1937, City of Greensboro workers pooled their resources and created Greensboro Municipal. The credit union converted to a federal charter in 2011. Now, after all of these years of continuous operation,
  • NSH MORTGAGE
  • 2195 W Huntington Dr, Beverly Hills, FL, 34465
  • NSH Mortgage team has helped thousands of people get quickly and easily approved for mortgages for over 25 years! He is eager to help you get approved for the lowest rate possible, no matter your situation. He works closely with his clients to ensure a stress-free, comfortable experience that leaves everyone happy.
  • Marshland Credit Union
  • 3650 Community Rd, Brunswick, GA, 31520
  • Marshland Credit Union consistently serves its members with the high-quality and professional service they look for in a financial institution. Marshland Credit Union is a not-for-profit organization. This means that any profits made by the credit union are returned to the member in the form of lower rates on loans