USDA Vs. FHA Pro and Con comparison in Los-Banos, Merced County, CA
In 2025, the USDA loan limit for Los-Banos, in the county of Merced, CA, is $341,900. The FHA limit for a single-family home is $356,362.
With Lendersa® USDA loan calculator, you can compare today's best USDA and FHA rates, and figure out the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA options side by side to help decide which program works best for your finances, especially in .
Loan Limits and Downpayment Requirements in Los-Banos, Merced, CA for 2025
Loan Type
Loan Limit
Down Payment
USDA
$341,900
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Los-Banos, CA
Lendersa® aims to quickly connect you with the best USDA or FHA loans, minimizing hassle. Select one of three paths to access matching lenders and USDA loan offerings.
A USDA mortgage, also known as a USDA rural development loan, is government-backed by the Department of Agriculture. Offered exclusively in rural neighborhoods, it requires no down payment, unlike FHA loans that need a 3.5% minimum down payment.
We are committed to providing superior, cost effective financial services responsive to the evolving needs of our membership.Our vision is to be your neighborhood credit union, helping to build better financial lives for you & family.Organized in 1967 to meet the financial needs of the employees of the Veterans Administration Data Processing Center
Fannin Bank was organized in November 1921 as the Guaranty State Bank in Windom, Texas. By June 1922 the bank had $158,046 in assets. The name was changed to Fannin Bank in 1976, and in 1987 a branch office was opened in the town of Bonham. The Honey Grove branch opened in 2008 with the headquarters moving to Bonham the same year.
Fannin Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder – or an owner – of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
Fannin County Teachers FCU (FCTFCU) has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, FCTFCU will continue a sound yet progressive asset management strategy and provide new and improved financial services.
We've been serving Central Texas since 1900; that experience is what sets Citizens National Bank apart. We know & are active in each of the communities we serve. That makes us better able to meet your banking needs.Because we know our customers, we can deliver many of the same accounts & benefits as larger banks but with a personal touch they can't
We were house flippers before lenders, we know what you do and why you do it! Reach out and see how we can work together for years to come! If you have questions, email me at [email protected]! Or call me at 512-659-6344!
Looking forward to a long lasting relationship!
Since its inception in 1940 the Lcra Credit Union has been serving its members in the Austin, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here.
HomeBank Texas is a full service financial institution with offices located in Dallas, Rockwall & Seagoville. Formerly known as Seagoville State Bank, we were founded in 1952 by W.A. Waldrop. The Bank was located in the Downtown Seagoville area where a tradition of serving our community & customers with courtesy & genuine concern was established.
Seagoville Federal Credit Union was founded February 14, 1949. We offer Savings, Checking, and Christmas Club accounts as well as a variety of loans including Vehicles, ATVs, Boats, RVs, Personal, Share Secured & more. We cater to government employees and their families in the Seagoville area.
Northwestern Bank is a fourth generation, family owned and operated bank serving Dilworth residents the way we’d want to be served. We offer full banking services for businesses, individuals and our agricultural community. Whether you’re looking for a mortgage lender to purchase your first home or a commercial loan, we can assist you.
Peoples National Bank is headquartered in Checotah OK at the intersection of Interstate 40 and US Highway 69 on Lake Eufaula. PNB takes pride in having served our community since 1911.The main office of PNB is located at 300 West Gentry with our drive-in facility at 310 North Broadway in Checotah.
