USDA VS FHA in Merced, Merced County, CA

In the year 2026, the USDA loan limit for Merced, within Merced county, CA, is $341,900, while the FHA limit for a single-family home is $472,030.

With the Lendersa® USDA loan calculator, effectively compare today’s top USDA versus FHA rates to assess the income, credit, reserves, and documents needed to qualify. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA programs side by side, helping you choose the best option in for your specific financial needs.

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2026 Loan Ceilings and Down Payment Requirements in Merced, County of Merced, CA

Loan Category Loan Limit Down Payment
USDA $341,900 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Merced, CA

The mission of Lendersa® is to secure the best USDA or FHA loan swiftly and without hassle. Choose from three entry points that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in CA

USDA home loans, backed by the government’s Department of Agriculture, also known as USDA rural development loans or USDA mortgages, are available solely in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans have no down payment required.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Creative Home Loans L.L.C.
  • 16401 North 40th Street, Phoenix, AZ, 85032
  • Creative Home Loans LLC will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you.

  • Loanatik, L.L.C.
  • 4550 East Cactus Road, Suite 250, Phoenix, AZ, 85032
  • Loanatik is a fun and slightly irreverent consumer brand providing residential mortgages to qualified borrowers. The mission of the company is to reimagine the process of getting a mortgage from application through secondary marketing. Our goal is to empower borrowers in a simplified application process, making it easy and efficient to borrow.

  • COUNTRYFIRST MORTGAGE
  • 4568 E Cactus Rd, Suite 70, Phoenix, AZ, 85032
  • We make it extremely easy for you to get the right loan for your circumstances, hassle-free. Before you know it, you’ll have a mortgage loan that best fits your specific needs, saving you time and money. CountryFirst Mortgage works with you every step of the way, from Pre-Qualification to selecting the type of loan that is right for you.

  • Access G T Mortgage Inc
  • 3975 River Rd N #1, Keizer, OR, 97303
  • We are a full service mortgage broker started in 2004 that follows the Golden Rule and offers five star service and the best rates in the business. We offer conventional, subprime, construction, renovation, jumbo, FHA, VA and USDA loans as well as private mortgages. We look forward to the opportunity to provide you with five star service.

  • Republic Bank of Arizona
  • 645 E. Missouri Ave, Suite 108, Phoenix, AZ, 85012
  • Success is a team effort, and RBAZ is here to help facilitate your success. We offer all of the progressive banking solutions you'd expect from a much bigger bank, all backed by sound banking principles, exceptional personal service, and a promise to exceed your expectations of what a local community bank can be.

  • Mega Loans
  • 20 East Thomas Road, Suite 2238, Phoenix, AZ, 85012
  • Loan Factory strives to drive down the rate, deliver low rates with no or low costs to our clients, and improve constantly in providing excellent customer service. We have closed successfully over 20, 000 loans and most of the loans are closed 25 days or less.
    We have an innovative website that clients can visit at https://loanfactory.com.

  • Access Capital Group, Inc.
  • 202 East Earll Drive, Suite 460, Phoenix, AZ, 85012
  • Access Capital Group, Inc. has been closing residential home loans since 2001.Our entire organization is built to provide you with market insight, industry leading customer support, and the lowest rates available in your area. Our nationally certified mortgage professionals will work with you one on one to ensure that you get a financial solution.

  • B HOME Mortgage
  • 11811 N Tatum Blvd, Suite 3031, Phoenix, AZ, 85028
  • My name is Brandon Ross and I’m a mortgage consultant with B|HOME Mortgage in Phoenix. As a mortgage broker, I have access to numerous programs from the nation’s top residential lenders. I’m here to help you achieve your real estate goals.

    My promise is to deliver competitive rates with low costs

  • Home Loans by Paige, LLC
  • 3420 East Shea Boulevard, Suite 200, Phoenix, AZ, 85028
  • Every mortgage company and Loan Officer has the "best" rates, programs, service etc. The resourceful and skilled team at Home Loans By Paige is eager to help you reach your dreams. Mortgages made easy ... How to Qualify For a Low Rate Mortgage without the Headaches, Hassles, or Haggling! First Time Homebuyers ... Low Down Payment.

  • B HOME MORTGAGE
  • 11811 North Tatum Boulevard, Suite 3031-11, Phoenix, AZ, 85028
  • "B Home Mortgage is a local, family owned and operated Mortgage Company serving Phoenix and other parts of Arizona since 2005.

    Founded by Brian Carpenter and his father-in-law Kevin Burk, we have always provided exceptional service at a lower rate and price than everyone else on every type of residential mortgage loan.

  • Orion Mortgage Corporation
  • 11120 NTatum Boulevard, Suite 100, Phoenix, AZ, 85028
  • At Orion Mortgage, we’ve been helping residents all over the Valley reach their dreams of homeownership. Our dedicated team of mortgage and loan professionals are committed to providing the personal attention and excellent customer service you deserve. We are a small company that believes in honesty, hard work, and exemplary customer service.

  • Happy Valley Mortgage Company, LLC
  • 2550 West Union, Suite 356, Phoenix, AZ, 85028
  • Happy Valley Mortgage Company, LLC founder of the Donna Avram have been in the mortgage business for over 23 years now, I have been a top producer for many years and now opened my own mortgage brokerage. My business is primarily generated by word of mouth. It brings me great pleasure to see clients leaving my office happy.