USDA Vs. FHA your options comparison in King-City, Monterey County, CA

In 2025, USDA loan limit in King-City, county of Monterey, CA is $591,500 while FHA limit is $739,450 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

2025 loan limits and downpayment requirments in King-City, county of Monterey, CA

Loan Type Loan Limit Down payment
USDA $591,500 0%
FHA $739,450 3.5%
Conventional Conforming $739,450 3%

USDA and FHA loan options in King-City, 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?



  • New Albin Savings Bank
  • 118 Main Street, New Albin, IA, 52160
  • New Albin Savings Bank is an independent community bank located in the far northeast corner of Iowa. Our trade area is defined as Allamakee County Iowa and Houston County Minnesota as well as neighboring counties in Iowa, Minnesota and Wisconsin. Individuals with ties to our trade area are also welcome customers
  • Pine Bluff Cotton Belt Federal Credit Union
  • 1703 River Pines Blvd, Pine Bluff, AR, 71601
  • Pine Bluff Cotton Belt Federal Credit Union is a not-for-profit member owned financial cooperative. Unlike a bank, credit union profits are returned to the members in the form of higher dividends on savings, lower rates on loans, lower fees...and many other money saving services. A volunteer board of directors, elected by members, sets polici
  • AM&N College Federal Credit Union
  • 1200 N University Drive, Pine Bluff, AR, 71601
  • Arkansas AM&N College Federal Credit Union was founded in 1952 by and for the employees of Arkansas AM&N College, now the University of Arkansas at Pine Bluff, at a time when it was difficult, if not impossible, to get a loan from any of the financial institutions in the city. The credit union continues to serve this field of membership
  • Simmons Bank
  • 501 S Main St, Pine Bluff, AR, 71601
  • Simmons’ present-day is more exciting than ever due to its rich culture and high performance. In the last six years, Simmons has catapulted from a Bank holding company with approximately $3.2 billion in assets to an approximately $20.8 billion-asset company as of March 30, 2020 operating in seven states.
  • Bank of Winnfield & Trust Company
  • 200 W Main St, Winnfield, LA, 71483
  • The Bank of Winnfield opened its doors in 1901 – serving the Winn Parish community during an era most people can hardly imagine today. The bookkeeping was done by hand with pen and ink, and the bank was lighted using kerosene lamps. From these humble beginnings and throughout more than a century of social, political and economic upheavals.
  • Citizens First Bank
  • W25042 Hwy 54|35, Centerville, WI, 54661
  • Citizens First Bank is a bank with operations in one state. Citizens First Bank offers numerous mortgage programs including conventional, non-owner occupied, VA and USDA mortgages. Citizens First Bank is a FREEandCLEAR Certified Gold Low Rate Lender. As a family-owned community bank with roots dating back to 1969,
  • Farmers Savings Bank
  • 205 Main Street, Colesburg, IA, 52035
  • The Farmers Savings Bank story began on January 26, 1907 in Colesburg, Iowa. Fifty seven years later, the Juergens Family acquired the bank in November of 1964, & since then we have expanded to Elkport, Strawberry Point & Arlington. Although our foot print has changed, our commitment to serving the communities we are a part of has never wavere
  • Independence State Bank
  • 23942 Senty Drive, Independence, WI, 54747
  • Independence State Bank has been serving Independence and the surrounding communities since 1897. Originally called State Bank of Independence, our name was changed in 1998. Independence State Bank strives to be the community bank that people seek first in the communities we serve, by offering prompt, personalized service at fair rates.
  • Members Community Credit Union
  • 159 Colorado Street, Muscatine, IA, 52761
  • Members Community Credit Union is a $81 million, full-service cooperative financial institution that is owned and operated by its members. We pride ourselves on being not your ‘normal’ financial institution. We love to have fun with our members and try to connect with each one. We opened our membership to the public in 2003.
  • FMB Bank
  • 100 Veterans Memorial Parkway, Wright City, MO, 63390
  • FMB Bank is your Community Bank. We are not a huge multi-bank holding company. We are your friends and neighbors and we pride ourselves in providing you with the level of personal service you may find lacking in many of the super-regional banks. Our employees regularly support local organizations with their time and talent.
  • American Bank of Missouri
  • 690 North Service Road West, Wright City, MO, 63390
  • We are a full service community bank specializing in SBA, Commercial & Real Estate Loans as well as Treasury Management & we offer a full range of deposit related services. We currently serve the St. Louis area & St. Charles, Warren & Montgomery Counties. We strive to provide you with the best banking experience possible.
  • Proctor Federal Credit Union
  • 410 N Second Avenue, Proctor, MN, 55810
  • The Credit Union operated out of one room at 226 3rd St. in Proctor as a State Chartered Credit Union until October 1970 when it became a Federal Chartered Credit Union known as the Proctor Area Federal Credit Union. At that time, this 1, 200 member; $700, 000.00, Credit Union changed from an Employee Credit Union to a Community Credit Union.