For 2025, the USDA loan ceiling in Kings-Beach, located in Placer, CA, is $486,400, whereas the FHA cap for a single-family home reaches $598,000.
Leverage the Lendersa® USDA loan calculator for comparing current USDA versus FHA rates, establishing the necessary income, credit worthiness, reserves, and documentation for eligibility. By using our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side-by-side to determine which option in best fits your financial needs.
Loan Limits and Down Payment Requirements for 2025 in Kings-Beach, Placer, CA
Loan Type
Limit
Down Payment
USDA
$486,400
0%
FHA
$598,000
3.5%
Conventional Conforming
$598,000
3%
Options for USDA and FHA Loans in Kings-Beach, CA
Lendersa® strives to quickly and easily secure the best USDA or FHA loan for you. Choose from three initial strategies to align with lenders and USDA programs.
The USDA loan, backed by the U.S. Department of Agriculture and often referred to as the USDA rural development loan or mortgage, is available exclusively in rural locales. In contrast to FHA loans, which necessitate a 3.5% down payment, USDA loans require no down payment at all.
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Kama'aina Mortgage Group, we are committed to ethical and honest lending. It is our priority to build a relationship with our clients to ensure the best financing option with the most value. Whether you are purchasing your first home, or you are a seasoned buyer looking to cash out equity, you have landed at the perfect place!
Hawaiian Financial Federal Credit Union formed out of an idea from Mutual Telephone Company employees. On October 22, 1936, 65 employees signed on as charter members with assets totaling $2,517, calling themselves Mutelco Oahu Employees Federal Credit Union.
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Chartered in 1937, eight employees worked together to help start the employer-based Honolulu Construction and Draying Employees Federal Credit Union. Thanks to a strong commitment to make banking easy and enjoyable for its employees and members, HC & D EFCU had steady growth. In 1978, the credit union changed its name to HC & D
Hawaii National Bank opened its doors on Sept. 19, 1960, to the sound of 10, 000 firecrackers in Honolulu’s Chinatown neighborhood. By the day’s end, the bank had taken in $6.25 million in deposits, a national record for any first-day deposits for a new bank. From this auspicious start, Hawaii National Bank grew.
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Gunner Schull is the owner of the Mortage company With 25 years in the real estate industry as a lawyer and lender I have acquired a unique expertise to assist my clients with all their real estate financing transactions. I opened Millennium Lending in 1999 and have existed entirely from referral and repeat customers.
HHOC Mortgage is dedicated to offering affordable mortgage loans to Hawaii’s homebuyers that are competitively priced. HHOC Mortgage primarily serves low and moderate-income target markets and communities. HHOC Mortgage provides financial support to Hawaii HomeOwnership Center to enable continuance of its mission to provide prospective
