USDA Vs. FHA Pro and Con comparison in Ione, Amador County, CA

In 2024, USDA loan limit in Ione, county of Amador, CA is $379,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Ione, county of Amador, CA

Loan Type Loan Limit Down payment
USDA $379,200 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Ione, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Southern Mortgage Group, LLC
  • 546 Silicon Drive, Suite 100, Southlake, TX, 76092
  • Southern Mortgage Group, LLC, a professional mortgage company specializing in residential mortgages. At Southern Mortgage Group, LLC, we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled and trained loan consultants.
  • Red Diamond Home Loans, LLC
  • 165 S. Kimball Avenue, Southlake, TX, 76092
  • Red Diamond Home Loans is a unique Mortgage Banking Company that is focused on providing premier client solutions. This includes a variety of product, excellent pricing and exceptional service. Many banks/mortgage banks provide a company solution that will not always fit the need of all clients. We utilize a variety of investors to meet those needs
  • United Members Federal Credit Union
  • 4833 S Sheridan, Suite 401, Tulsa, OK, 74145
  • United Members Federal Credit Union isn’t your typical financial institution. Like all credit unions, we are a not-for-profit cooperative. Our philosophy mirrors the traditional credit union philosophy of "people helping people." We exist to provide our members with exceptional access to financial products and services.
  • Midtown Mortgage
  • 2007 E 15th st, Tulsa, OK, 74145
  • Midtown Mortgage is a locally-owned, full service mortgage company serving Tulsa, Oklahoma and the surrounding areas. We offer in house expertise in many areas of home lending and are committed to helping you find the right mortgage product for you new home purchase or existing home refinance
  • Parkmont Lending
  • 2340 Justin Rd, Suite 206, Highland Village, TX, 75077
  • At Parkmont Lending, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Highland Village Mortgage LLC
  • 206 Malibu Drive, Highland Village, TX, 75077
  • Highland Village Mortgage, LLC is a Texas Domestic Limited-Liability Company (Llc) filed On October 28, 2019. The company's filing status is listed as In Existence. The Registered Agent on file for this company is Angus Harrup & is located at 206 Malibu Drive, Highland Village, TX. The company's principal address is 206 Malibu Dr Highland Village
  • King Financial Group Inc.
  • 2600 Highland Village Pkwy, Suite 100, Village, TX, 75077
  • King Financial Group, Inc. is a residential mortgage company specializing in loans that will meet most families’ needs. We believe in providing the best service, products, and follow-through as if you are a part of our family. King Financial Group was established in 1992 by Kathy King with the desire to treat customers with respect
  • Prosperity Mortgage, LLC
  • 5500 East Loop 820 South, Suite 101A, Fort Worth, TX, 76119
  • Our services will take the complications out of the process. Let one of our Loan Specialist analysis your credit profile to take the guess work out and identify the best financing available for you. You’ll be surprised by how easy your life becomes once we work together— contact one of our professional for more information.
  • PointBank Community Bank
  • 200 S. HWY 377, Pilot Point, TX, 76258
  • PointBank is an independent, locally owned bank that has been serving the Denton County community since 1884—over 130 years! Currently, we have nine branches conveniently located throughout the county. We at PointBank would like to invite you to try out our many banking services.
  • First Bank of Owasso
  • 8601 North Garnett Road, Owasso, OK, 74055
  • Our Mission is to build mutually beneficial relationships by providing financial services to clients with integrity, caring, and excellence. Our Vision is to To help build the Kingdom by providing financial services and expertise in a responsive and God honoring manner. We conduct business based on principle, and not simply for profit.
  • American Mortgage Professionals, LLC
  • 12899 E. 76th St. N, Suite 102, Owasso, OK, 74055
  • American Mortgage Professionals, LLC has over 25 years of mortgage lending experience in Oklahoma as well as throughout the United States. Our team is committed to providing our clients with the highest quality financial services in a fast, efficient manner. Our outstanding mortgage professionals will work.
  • Community State Bank
  • 601 West Eighth Street, Coffeyville, KS, 67337
  • Community State Bank is a locally owned and operated community bank located in Coffeyville, KS. The bank was founded in 1967 and is currently Coffeyville’s only locally owned and operated bank. We are proud of our long history in Coffeyville and are committed to serving the local community and surrounding area.