The USDA loan cap for 2025 in Kerman, within Fresno county, CA, is set at $405,000, whereas the FHA cap for a single-family residence is $472,030.
Employ the Lendersa® USDA loan calculator to compare the prime rates of USDA versus FHA loans and ascertain the requisite income level, credit score, financial reserves, along with required documents to qualify. Our advanced mortgage calculator juxtaposes USDA, FHA, Conforming, and VA options to aid in selecting the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $405,000 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® strives to swiftly and seamlessly provide you with the ideal USDA or FHA loan. Choose one of three avenues that lead to matched lenders and USDA loan options.
A USDA home loan is backed by the U.S. Department of Agriculture and is commonly referred to as a USDA rural development loan or USDA mortgage. These loans are available exclusively in rural areas. Unlike FHA loans that necessitate a minimum down payment of 3.5%, USDA mortgages require no down payment at all, making them a more accessible option for rural homebuyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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