USDA Vs. FHA your options comparison in Lockeford, San Joaquin County, CA

In 2025, USDA loan limit in Lockeford, county of San Joaquin, CA is $556,200 while FHA limit is $656,650 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 Lockeford, county of San Joaquin, CA

Loan Type Loan Limit Down payment
USDA $556,200 0%
FHA $656,650 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Lockeford, 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?



  • Gulf Coast Bank & Trust Company
  • 200 St. Charles Avenue, New Orleans, LA, 70130
  • Our mission is to combine the values of old fashioned Community Banking that focuses on individualized customer service with innovative, competitive banking products, trust and brokerage services that further emphasizes and strengthens our relationship with our customers. Our philosphy is to do everything we can for every client we have.
  • LHH Mortgage
  • 1551 Magazine Street, New Orleans, LA, 70130
  • "At New Orleans Mortgage Specialists. We offer a full range of mortgage options as well as real estate investment consulting/creditworthiness consultations. Our dedicated associates have over 60 years of combined experience assisting homebuyers and investors in the Greater New Orleans, South Louisiana area."
  • ESSENTIAL MORTGAGE
  • 430 Notre Dame St., New Orleans, LA, 70130
  • Since 1998, the loan origination team at Essential Mortgage Company has been dedicated to providing a successful and stress-free transaction for every client. Professionalism and courtesy are our hallmarks, and the savings we pass along to our borrowers makes us unique among our competitors.
  • Valley State Bank
  • 15565 Highway 43 Bypass, Russellville, AL, 35653
  • Valley State Bank is a locally owned and operated bank that was formed with one simple operating principle: To provide the members of our community with the best financial services to help them achieve their financial goals.Our staff here at Valley State Bank has decades of experience in banking.
  • Community Spirit Bank
  • 14009 Highway 43, Russellville, AL, 35653
  • Community Spirit Bank was the town of Red Bay’s first bank. We opened with the name Bank of Red Bay on June 11, 1908 in the Red Bay Hotel. Our roots run deeper than any other business in this community. We pride ourselves on being a true community bank and serving the citizens of our communities.
  • CB&S Bank
  • 200 Jackson Avenue South, Russellville, AL, 35653
  • CB&S Bank is a leading community Bank with over $2 billion in assets, headquartered in Russellville, Alabama. We operate 56 branches in the Alabama, Mississippi, and Tennessee markets and employ more than 500 people. We are a local, community Bank with proven success and staying power.
  • Honor Bank
  • 2254 Henry St, Honor, MI, 49640
  • Honor Bank isn’t the biggest bank in Traverse City & we like it that way. It means our bank accounts, mortgages, business loans & more are shaped by you. It means that since 1917, we’ve grown with the region, offering products like debit-card cash back & ATM refunds. The principles of our Honor Code are not open to negotiation.
  • The Mortgage House Inc
  • 305 Hoover, Suite 500, Holland, MI, 49423
  • This company is a mortgage broker offering first mortgages, FHA loans, VA loans, conventional mortgages, reverse mortgages, construction loans and loans for manufactured homes. When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation.
  • TLCU Financial
  • 1816 N Main Street, Mishawaka, IN, 46545
  • TLCU Financial has grown into a modern credit union that focuses on meeting our members’ needs. Now, all residents in LaGrange, Marshall, Elkhart and St. Joseph County can join TLCU Financial, or anyone with a family member with an existing TLCU account. Employees from our Select Employee Groups can also become members.
  • MERIDIAN MS AIR NATIONAL GUARD FEDERAL CREDIT UNION
  • 6225 M Street, Building 305, Meridian, MS, 39307
  • The Meridian MS ANG Federal Credit Union was chartered in 1963 as a non-profit financial organization that is regulated by the Nation Credit Union Administration (NCUA). Our Credit Union is owned and operated by its members for the benefit of all members. Our goal is to help each other by providing a quick economic source of confidential credit