USDA Vs. FHA Pro and Con comparison in Hilmar-Irwin, Merced County, CA
In 2025, the USDA loan limit for Hilmar-Irwin in Merced county, located in CA, is $341,900. Meanwhile, for a single-family residence, the FHA loan cap is $472,030.
Utilize the Lendersa® USDA loan calculator to effectively compare today’s best USDA versus FHA rates. It aids in evaluating the income, credit score, reserves, and documentation required to qualify. Through our advanced mortgage calculator, you can examine USDA, FHA, Conforming, and VA options side by side, allowing you to determine which program in Alabama best aligns with your financial circumstances and objectives.
2025 Loan Caps and Down Payment Guidelines in Hilmar-Irwin, Merced County, 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 Lending Options in Hilmar-Irwin, CA
The aim of Lendersa® is to assist you in acquiring the most favorable USDA or FHA loan quickly and smoothly. Choose from one of three entry pathways that connect you with relevant lenders and USDA loan options.
A USDA home loan, commonly known as a USDA mortgage or rural development loan, is a government-backed arrangement provided by the Department of Agriculture, designed for properties in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA mortgage loans do not require any initial payment, facilitating wider accessibility.
Jim Stanko is a JUMBO and FHA Reverse Mortgage Specialist located in Southern California. He and his firm, Lineage Lending, are Federally- and CA State-Licensed reverse mortgage brokers. Lineage Lending is a member of the National Reverse Mortgage Lenders Association, an association that requires high ethical standards from its members.
970 Los Vallecitos Boulevard, Suite 222, San Marcos, CA, 92069
Every one of our clients needs are different which is why we leverage our experience & expertise to help you find the right financing. We make sure every client understands their loan program & gets the best possible financing for their needs. Contact us today to get pre-qualified for your next home purchase or to refinance your current residence
YMS specializes in eliminating mortgage insurance by leveraging relationships with Private Investors and Banks to obtain custom tailored loans for clients. Your Mortgage Shop is a trusted California premiere mortgage broker that adheres to the highest industry standards and is compliant with State Laws and Federal Regulations.
73131 Country Club Drive, Suite C3 & C4, Palm Desert, CA, 92260
Our goal of giving you the best service possible is exemplified by our customer service team. As our reputation attests, we strive for excellence in every way and promise to serve you with the utmost care and integrity. As such, we are always here to address any concerns you may have. Your concerns are our concerns!
Pacific Mortgage Exchange, Inc. of Palm Desert, CA has been your devoted hard money lender for over 30+ years! Pacific Mortgage Exchange, Inc.’s reliable hard money loan programs make the process of investment funding fast and convenient and enables clients nationwide with income-producing properties to receive funding.
Nationwide Fair Lending employs an experienced staff, whose sole function is to assure customer satisfaction throughout the entire loan process. Our staff’s commitment to this industry is supported by continued education and development in the latest products. We measure achievement not only in financial terms but also in human terms.
27350 Valley Center Rd, Suite D, Valley Center, CA, 92082
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.
Labrador Consulting Inc. was founded in 2008. We specialize in an assortment of home loan products for California home owners.Our team is committed to providing our clients with the best advice with a goal of complete customer satisfaction. Whether you are purchasing your dream home, refinancing your current loan.
We pledge to provide education, guidance, and resources to help our clients achieve financial goals and to improve their financial stability. We are committed to maintain a superior level of integrity and customer service in order our clients to feel empowered to make important financial decisions during and after loan transaction process.
