USDA Loan Vs. FHA loan for Mammoth-Lakes, CA 2026

As of 2026, the USDA loan limit in Mammoth-Lakes, within Mono, CA, is set at $600,000. At the same time, the FHA limit for a single-family home is pegged at $529,000, reflecting the specific financial boundaries set for the area.

By using the Lendersa® USDA loan calculator, you can effectively compare today's best rates between USDA and FHA loans, providing clarity on the income, credit, reserves, and documentation you'll need to qualify. Our advanced mortgage calculator further allows you to evaluate USDA, FHA, Conforming, and VA loans side by side, helping you choose the best financial program for your particular circumstances in .

Exploring USDA and FHA Loan Options in Mammoth-Lakes, CA

The mission of Lendersa® is to promptly deliver the best possible USDA or FHA loan options with minimal hassle. You have the flexibility to choose from three effective starting points that align you with suitable lenders and USDA loan programs that best meet your needs.

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What Exactly is a USDA Loan in CA?

The USDA home loan is also known as the USDA rural development loan or USDA mortgage. It is sponsored by the government Department of Agriculture and is made available solely in rural neighborhoods. These loans provide a significant advantage over FHA loans, which require at least a 3.5% down payment; USDA loans, by contrast, demand no down payment, benefiting qualified buyers in rural communities.

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(707) 444-9833 Lender's profile and map Reviews Redwood Capital Bank 402 G Street, Eureka, CA, 95501 At Redwood Capital Bank, it is important to keep local dollars working at home. Nearly every dollar that is deposited at Redwood Capital Bank goes right back into the local economy. Deposits are reinvested in the form of loans to individuals, families and businesses, helping small businesses grow, providing new homes and a better quality of life.
(707) 443-8662 Lender's profile and map Reviews Compass Community Credit Union 321 Wabash Avenue, Eureka, CA, 95501 California State Employees No. 20 Credit Union was formed in January of 1951. The credit union was formed by a group of professors and employees of Humboldt State College. They formed the credit union with a desire to assist each other with reasonably priced loans and a good return on their savings.
(707) 445-8801 Lender's profile and map Reviews Coast Central Credit Union 2650 Harrison Avenue, Eureka, CA, 95501 At Coast Central, we make banking easy, with access to your finances – anytime. With a network of over 30,000 free ATMs nationwide, the latest digital banking solutions, and 11 convenient Member Services Branches, one open Monday through Saturday and another open 7 days a week and evenings, control your funds from anywhere you happen to be.
(707) 443-9940 Lender's profile and map Reviews Briton Mortgage 303 Harris Street, Eureka, CA, 95501 "Briton Mortgage purchased their building in 2001. It was a family home in disrepair. Janine made a commitment to the owner and her family that the home would not be torn down, but repaired and restored. The remodeling was complete in 2003 and it has been the proud ""home"" of Briton Mortgage ever since."
707.444.7711 Lender's profile and map Reviews ReProp Financial 735 4th Street, Eureka, CA, 95501 ReProp Financial, a private money lender, is a division of ReProp Investments, Inc., established in 1978. We are a regional, niche real estate collateral lender, specializing in commercial, industrial and agricultural loans. We are a boutique specialty lender with extensive experience in all types of small balance commercial loans.
(619) 789-4400 Lender's profile and map Reviews Neighborhood National Bank 3511 National Ave, San Diego, CA, 92113 Neighborhood National Bank has proudly served the small businesses and residents of San Diego County since 1997, over two decades. As a local community bank, we pride ourselves on utilizing local deposits to invest back into the small to mid-size businesses who serve as the economic engine of San Diego.
(619) 728-7620 Lender's profile and map Reviews Military Home Spot Lending 3280 Main St, Suite 7C, San Diego, CA, 92113 Military Home Spot Lending sets itself apart from other lenders by following the VA guidelines exactly as they are written. We have no credit score requirement and no Debt-to-Income (DTI) limit. VA guidelines exactly as they are written. We have no credit score. MortgageOne dba Military Home Spot Lending
(855) 889-7626 Lender's profile and map Reviews Socotra Capital 251 Alameda Blvd, Coronado, CA, 92118 "Socotra Capital is your approachable neighborhood lender with local roots and a national reach. Hard money. That’s all we do, and that’s why we’re the best at it. We know that the first step toward achieving your real estate dreams is securing the necessary finances, and we are ready to help your dreams come to life.