USDA Vs. FHA your options comparison in Livingston, Merced County, CA
In 2026, the USDA loan limit for Livingston, located in Merced county, CA, is set at $341,900. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare and contrast the top rates available for USDA and FHA loans today. This will help you determine the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the most suitable program for your financial situation, particularly if you're in the state of .
2026 Loan Limits and Down Payment Requirements in Livingston, Merced, CA
Loan Type
Loan Limit
Down Payment
USDA
$341,900
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Livingston, CA
Lendersa® aims to quickly secure the best USDA or FHA loan for you, with minimal hassle. Pick one of three paths that lead to matching lenders and USDA loan programs tailored to your needs.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture. It is exclusively for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA loan requires no down payment, giving homebuyers in rural areas easier access to financing.
we originally opened as a credit union for educators. Though times have changed and we’ve grown into so much more, we never lost sight of who we serve. That’s why we partnered with 122 schools and organizations across the state of Hawai‘i in 2020. In addition, we awarded 21 scholarships and granted 41 career enhancement stipends to educators.
As a federally-chartered, federally-insured financial cooperative, Honolulu Fire Department Federal Credit Union is a member-owned and member-governed financial institution like the other 7, 000 credit unions across the country. With our focus on firefighters throughout Hawaii, we truly serve to be Your Lifeline for a Lifetime!
Kamehameha Federal Credit Union (KFCU) is dedicated to helping its members achieve their personal financial successes by providing a wide range of financial products and services. KFCU has been proudly serving its membership since 1957. As a not-for-profit financial cooperative, it is owned and operated by its members.
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
Southern Middlesex County Teachers Federal Credit Union
39 Brunswick Woods Drive, East Brunswick, NJ, 08816
The Southern Middlesex County Teachers FCU is a nonprofit, cooperative financial institution owned and run by its members. Organized to serve, democratically controlled credit unions provide their members with a safe place to save and borrow at reasonable rates. Members pool their funds to make loans to one-another.
100 Plainfield Avenue, Suite B2, Edison, NJ, 08817
MB Mortgage, LLC is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time, and you can trust.
2015 Lincoln Highway, Suite 180, Edison, NJ, 08817
Cloud9CapitalCorp is a fast growing professional organization engaged in corporate financial advisory, debt syndication, investment banking & financial services, and other allied management services, based out of New Jersey. Cloud9CapitalCorp has been promoted by professionals and managed by highly qualified, experienced and dynamic professionals
C2 Brier Hill Court, Suite 201, East Brunswick, NJ, 08816
Nexpanse Financial LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward. We educate our clients with the loan process.
American United is a New Jersey based Mortgage Banker and lending partner. As such, we partner with some of the largest banking and financial institutions across the nation. This wholesale banking relationship allows us to provide our retail clients with the most competitive rates the industry has to offer.
570 West Mount Pleasant Avenue, Livingston, NJ, 07039
Regal Bank is a full service community bank headquartered in Livingston, New Jersey. Regal Bank serves, as our primary trade area, Essex, Hudson, Somerset, Union and eastern Morris Counties. Regal Bank offers the very best in products and services, designed to help you meet your personal financial goals.
On September 9, 1980 a small group of O&R Utilities Employees chartered the credit union. It was formed for the purpose of creating a place where employees could save and borrow safely, confidentially and at fair rates of interest. Our current location is at 14 Talmadge Court in Monroe, NY
