USDA Vs. FHA Pro and Con comparison in Los-Banos, Merced County, CA
In 2026, 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 2026
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.
260 Tres Pinos Rd, Suite B-2, Hollister, CA, 95023
Lends in California
Golden Eagle Mortgage Group is the trusted, local APM division that caters to the specific needs of your community. Like APM, Golden Eagle Mortgage Group’s mission is to create experiences that matter while serving your home financing needs. Whether you are buying your first home, a new investment property or building your dream home.
A California independent agency and broker, Good Guys Financial’s team is built on honesty, integrity, hard work and professionalism. We value our relationships with employees, clients & familiar lenders. We approach business with solutions to your coverage needs. Our agency has 8+ years of mortgage & real estate business experience
Richard Vasquez brings over 28 years of experience in real estate, excellent customer service and a commitment to work hard, listen and follow through. He provides quality service to build relationships with clients and more importantly, maintain those relationships by communicating effectively.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
222 South Thor Street, Suite 3 & 10, Turlock, CA, 95380
Lends in California
Whether you are buying your first home, second home, vacation home or an investment property, we can help! Turn the home of your dreams into reality.American Pacific Mortgage does not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time.
We believe that if we deliver the service, the profit will follow. Great Central Mortgage Corporation provides confident lending experience for all your real estate transactions. Our broad base of financing and sincere dedication to each loan permits us to provide the unique solutions suited to your needs.
16275 Monterey Rd, Suite K, Morgan Hill, CA, 95037
Lends in California
A comfortable, stable home is a financially healthy home. Nordic Home Loans was born from a passion for helping people navigate the complex mortgage industry. Our approach to creating a stress-free loan experience is rooted in our Scandinavian heritage. NORDIC IS WHITE COLLAR PROFESSIONALISM AND A BLUE COLLAR WORK ETHIC IN A GOLF SHIRT INDUSTRY.
18181 Butterfield Boulevard, Suite 170, Morgan Hill, CA, 95037
Lends in California
Pacific Coast Mortgage Company believes the loan process should be painless. That's why we're here to partner with you for the life of your loan. Whereas banks only offer their own products, we source the entire open market to custom tailor valuable solutions for your unique needs.
16275 Monterey Road, Suite K, Morgan Hill, CA, 95037
Lends in California
Integrity. We believe it all begins here. If we are people of integrity, in a business that is not always known for it’s “honesty” we will be set apart from our competition. We strive hard to adhere to all government regulations. But that’s only the start. We also communicate clearly with you the client on your options, benefits.
17485 Monterey Road, Suite 202, Morgan Hill, CA, 95037
Lends in California
At Global Mortgage we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
