USDA and FHA Pro and Con in Manteca, San Joaquin County, CA
In 2026, the maximum USDA loan amount in Manteca, situated within San Joaquin county, CA, is set at $556,200. By contrast, the FHA loan limit for a single-family dwelling is $656,650.
Utilize the Lendersa® USDA loan calculator to compare the most favorable USDA and FHA rates available today. Our calculator allows you to evaluate required income, credit standings, reserve funds, and documentation for eligibility. Plus, you can review USDA, FHA, Conforming, and VA mortgages side by side, helping you pinpoint the ideal option for your specific financial scenario in .
Loan Limits and Down Payment Requirements for 2026 in Manteca, San Joaquin, CA
Type of Loan
Maximum Loan Amount
Minimum Down Payment
USDA
$556,200
0%
FHA
$656,650
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Opportunities in Manteca, CA
At Lendersa®, our mission is to swiftly and easily match you with the best USDA or FHA loan available. Choose from three different approaches to connect with compatible lenders and access optimal USDA loan products.
A USDA home loan is underwritten by the Department of Agriculture, identified as a USDA rural development loan or USDA mortgage, and is solely accessible in rural zones. Unlike FHA loans that necessitate a 3.5% minimum down payment, USDA mortgages do not require a down payment at all.
Excel Mortgage Group, Inc. was established in 1990. We aim to provide world-class, customer-focused service, along with a wide range of loan products to accommodate all homebuyers. We take pride in getting to know our clients and finding the lowest interest rates and best loan programs to fit their individual needs.
SCA Federal Credit Union, formerly known as Shenango China Area FCU, was established in 1935. We currently have 2450 members. We have one office located at 2656 Ellwood Road, Suite 1, New Castle, PA 16101. SCA Federal Credit Union has a dedicated Board of Directors consisting of volunteers elected by the members.
New Castle Bellco Federal Credit Union is a federally charted, not-for-profit, full service financial institution that is member owned and controlled through a board of directors. The voluntary board is elected by the membership to establish credit union policies and is responsible for the safe and sound operation of the credit union.
GNC Community FCU is a strong financial institution with assets of over $ 70, 000, 000 and in many aspects has exceeded the financial norms of and to become a very strong organization. We rank high within our peers in many areas. GNC is a member of the Shenango Valley Chapter of Credit Unions which incorporates over 10 credit unions.
First Choice FCU was originally chartered in 1952. At the time we were known as the B&O New Castle Employees Federal Credit Union and were the primary credit union of the Baltimore – Ohio Railroad, the current CSX Corporation. We have also always offered full family membership. Any family member of an existing member is eligible to join.
It has been a pleasure to serve our members for over 50 years! Since 1951, we have grown not only in membership, but also in services, enabling usto be your primary financial institution. Family 1st is a financial cooperative owned and operated by its members, that will assist the members to meet their financial needs.
Woodruff Federal was founded in 1934 by a group of local business leaders to serve the savings and loan needs of the small town’s growing textile community. Ever since, we’ve stayed true to our founding purpose to remain an S&L…and serve as a safe, secure place that folks could rely on to get a home loan or build their savings deposits
South Georgia Banking Company is a full-service, independent, locally owned bank. Now in our 50th year of operation, SGBC provides a wide variety of banking services targeted primarily to the personal consumer, small business, and agricultural sectors. With locations in Tift, Colquitt, and Dooly counties, we take pride in the communities we serve.
Farmers State Bank is a locally owned and operated community bank which has been proudly serving the CSRA for over 100 years. We offer a wide array of deposit products and services to our customers with competitive rates on checking, savings, certificates of deposit, and IRA accounts.
Saint Vincent Erie Federal Credit Union is a not-for-profit financial cooperative existing to serve its members. Credit Unions are less likely to charge service fees than banks. We do not issue stock or pay earnings dividends to outside stockholders like other financial institutions.
