USDA and FHA Pro and Con in McSwain, Merced County, CA
As of 2026, the USDA loan limit set for McSwain, located in Merced county, CA, is $341,900. Meanwhile, the FHA limit is marked at $472,030 for purchasing a single-family dwelling.
Consider using the Lendersa® USDA loan calculator to evaluate current USDA against FHA competitive rates, ensuring you understand the required income, creditworthiness, reserves, and paperwork to qualify. Our comprehensive mortgage calculator contrasts USDA, FHA, Conforming, and VA loans side by side, aiding your decision for the best financial option in .
2026 loan guidelines and down payment basics in McSwain, located in Merced, CA
Loan Category
Maximum Limit
Down Payment Rate
USDA
$341,900
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA loan opportunities in McSwain, CA
Lendersa® aims to secure the most beneficial USDA or FHA loan promptly, eliminating any complex procedures. Begin with any of the three paths provided, which link you with suitable lenders and USDA loan schemes.
A USDA home loan, sponsored by the Department of Agriculture, known as the USDA rural development loan or USDA mortgage, is accessible exclusively in rural areas. In contrast to FHA loans that necessitate a down payment of at least 3.5%, the USDA mortgage loan demands no down payment.
The Dillon Employees Credit Union was founded in 1958 to provide financial services specifically for the employees of the Dillon Companies.The credit union offices were located at the Dillon's Main Office & Warehouse at 2700 East Fourth Street, Hutchinson, KS. In 2009, we expanded our field of membership to the public to better serve the community.
Heartland Credit Union was formed April 1, 1948. The Credit Union started life with 14 members and $315.00 in assets. The original place of business was in the home of Clyde and Lela Burk at 528 E. Sherman in Hutchinson. We've grown to many branches throughout Central Kansas, a far cry from our original home in a residence on E. Sherman Avenue.
The First National Bank of Sonora was organized by E.R. Jackson in 1900, only 10 years after Sonora became a town. The move to organize a bank was deemed foolhardy by some who had already seen two financial institutions fail. The organizational meeting was held on May 3, 1900, with E.R. Jackson, E.F. Vander Stucken,
We, at the Commercial State Bank, are dedicated to meeting the financial needs of our customers in and around the Wagner area by providing high quality and creative financial services through a skilled professional staff. We will accomplish our mission by remaining an independent community bank, focusing on our present and future customer needs.
In 1951 Ft. Randall Federal Credit Union was chartered to serve local federal employees of the Pickstown School District, and their immediate family members. Once a member of Ft. Randall Federal Credit Union, you can always be a member, even if you move out of field of membership!
For starters, our roots began right here South Dakota. For 130 years, we have earned long-term customer relationships by helping our customers and communities succeed. We pride ourselves in adapting to meet our customers’ changing banking needs — while retaining our hometown values and roots.
First National Bank Albany/Breckenridge has a long, storied history stretching back over 135 years. The bank was first organized in 1883 as The First National Bank of Albany. It was a country bank founded because of the need to have access to local banking. The bank evolved as the local area gradually developed from frontier to settlement.
HGE Credit Union was chartered in 1945 as Hutchinson Municipal Employees Credit Union. Originally, only city employees were eligible to become members. Tom Tomlin, firefighter at Fire Station #1 kept CU papers in a cigar box. The charter gives the address as 18-22 East Avenue B, which was the police department and Fire Station #1.
Bell Credit Union has come a long way since 1938. Mrs. Verla Yelton was the first manager of the credit union. Verla and her husband, Lloyd, provided space in their home at 417 E 1st for the credit union office. The office was located there until the mid 1950’s, when it was moved to the 5th floor of the Wiley Building.
First National Bank of Hutchinson is a community bank that offers personal banking, commercial banking and wealth management services. The bank was founded in 1876 and is based in Hutchinson, Kansas. First National Bank of Hutchinson operates as a subsidiary of First Kansas Bancshares, Inc.
