USDA Vs. FHA your options comparison in Merced, Merced County, CA
In the year 2025, 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.
2025 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.
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.
Bivins Federal Credit Union has been open since 1940. The credit union has assets totaling $6.57 Million and provides banking services to more than 500 members as of March 2022.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.
Lakota Trade Center, Suite 103 | 104, Kyle, SD, 57752
In January 2009, several community leaders started in pursuit of a dream to establish the Lakota Federal Credit Union to serve the people of the Pine Ridge Reservation. The proposed credit union would provide basic banking services to help the Oglala LakotaOyate (people) achieve their financial goals, and in turn help the local economy.
Security State Bank is a full-service community bank located in Scott County, Kansas. On April 24, 1961, Security State Bank of Scott City opened its doors to the public with capital and surplus of $150 thousand dollars. Today the bank’s total assets are over $300 million dollars with total capital in excess of $44 million dollars.
ACFCU has been providing financial services for over 75 years. We strive to make financial dreams reality & we want to be THE financial solution for all of our members.We serve over 38, 000 members & strive daily to exceed our members expectations. Chartered in 1945 ACFCU is now the largest credit union in the Panhandle serving over 37,000 members.
SpearCo Corporation is committed to finding you the right mortgage products. We offer a variety of products to meet the individual needs of each borrower. From home loans to refinancing existing loans, our loan advisors will make the mortgage process straightforward and simple to meet your needs.
We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs
509 North Merrill Avenue, Suite A, Glendive, MT, 59330
The Credit Union is a member-owned financial organization providing the most accessible and competitive financial services to meet the needs of our members, while maintaining long-term stability and growth BN Federal Credit Union's charter of membership includes all employees of:
Action For Eastern Montana
Albertson Food and Drug
and more
Our mission is simple to provide the best service and most competitive rates for you the member.Services Provided:
Share Accounts
Share Certificates (CD's)
Vehicle Loans
Recreation Vehicle Loans
Personal Loans
Payroll Deduction for Savings Deposits
Payroll Deduction for Loan Payments
The People's Federal Credit Union was federally chartered on January 12, 1953 and currently has more than 18, 000 members. With five branches located in Amarillo, Childress and Canyon.
The mission of The People's Federal Credit Union is to be the Members' primary financial institution.
Amarillo Postal Employees Credit Union is a full service, non-profit cooperative financial institution that began in 1931. It was formed for the purpose of encouraging savings, by offering a good rate of return, using collective moneys to make loans at competitive, low rates and provide other useful financial services.
Access Community Credit Union has been open since 1953. The credit union has assets totaling $156.27 Million and provides banking services to more than 12, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
FirstBank Southwest is a community bank with nine banking center locations in Amarillo, Booker, Hereford, Pampa, and Perryton, Texas. In addition to our convenient branches, we also offer convenient digital banking for both consumer and commercial needs.
In 2020 and 2021, The American Banker awarded FirstBank Southwest as a Best Bank
