USDA Vs. FHA your options comparison in McKinleyville, Humboldt County, CA
In 2025, the USDA loan cap in McKinleyville, within Humboldt county, CA, is $400,000, while for a single-family dwelling, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator for comparing the best current USDA versus FHA rates. This calculator guides you in determining the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA programs side by side, aiding you in choosing the optimal option to suit your financial needs in .
2025 Loan Limits and Down Payment Requirements in McKinleyville, Humboldt County, CA
Loan Type
Loan Limit
Down Payment
USDA
$400,000
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Choices in McKinleyville, CA
Lendersa® is dedicated to promptly securing the best USDA or FHA loan for you without hassle. Start with one of the three options that position you with matching lenders and USDA loan programs.
A USDA home loan is a government-guaranteed loan provided by the Department of Agriculture, known as a USDA rural development loan or USDA mortgage. It is exclusively available in rural communities. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage does not require any down payment at all.
Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
Washington Business Bank provides financial services that enable our clients to become more successful.We may not be the largest bank in the area, but that doesn’t mean we are any less sophisticated when it comes to providing everything you need from your bank. Our team of banking professionals is dedicated to providing you.
evergreenDIRECT Credit Union is owned by each and every member that we serve. It's no surprise our sole focus is to provide quality, flexible services to our members at a reasonable price. Something we call "Banking. At your speed.Banks, on the other hand, are different. They have shareholders and investors to whom they have to pay large profits.
WCLA Credit Union is committed to providing competitive dividends on deposit accounts and reasonable rates on loans. The money that members deposit into the credit union goes straight back to the logging and timber industry through business loans that finance the purchase of vital equipment.
We promise our credit unions and their members professional, accurate and efficient service. We value each and every relationship and we are dedicated to making life easier for our credit unions and their members. We commit ourselves to providing a service-first, competitive and compliant mortgage servicing solution for the credit union industry.
St Julien Home Loans is a family-owned mortgage solutions company with over 42 years of experience. Located in Tumwater, Washington we service loans all across the state and partner with several banks and credit unions. Founded in 2005 by Bonnie and Wendy St. Julien, a mother and daughter team.
NTFN is a full service mortgage banker established in 1992 originally as Park Cities Mortgage. It was started by two men that felt they could create a better experience for their borrowers. They founded the company on the premise of excellent service, increased control and a faster more flexible process
Blossom Heights Realty has proudly served clients and customers for over 10 years. We started as a family-owned business and still run on the same standards of integrity and care for the people we serve.
Our experienced real estate agents help clients and customers who are interested in buying or selling homes in Nampa, Caldwell, Meridian, Boi
We understand that buying or selling a home is more than just a transaction: it’s a life-changing experience. That’s why our team of highly-seasoned real estate professionals is dedicated to providing exceptional, personalized service for all of our clients. Emily Armet, owner and broker of Avalon Real Estate & Home Loans.
