USDA Vs. FHA your options comparison 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.
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.
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.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
222 South Thor Street, Suite 3 & 10, Turlock, CA, 95380
Lends in California
Whether you are buying your first home, second home, vacation home or an investment property, we can help! Turn the home of your dreams into reality.American Pacific Mortgage does not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time.
We believe that if we deliver the service, the profit will follow. Great Central Mortgage Corporation provides confident lending experience for all your real estate transactions. Our broad base of financing and sincere dedication to each loan permits us to provide the unique solutions suited to your needs.
Rolling F Credit Union is on a mission to do things differently than any other company, especially predatory lenders, so our customers can find an new sense of FINANCIAL SECURITY that includes things like: emergency savings, rising credit scores, cheap loan rates, practical transportation, home ownership, a future nest egg.
Our mission is to never forget that we are serving a customer that is a real person and we pledge not to treat you cold because of todays technologies like email or text messages and other forms of communication.We strive to provide you with honesty, integrity & the competence that you expect when making a decision on the best loan.
Jose Valencia as a Broker Associate and owner of JLV Realty and Mortgage with a full Real Estate Service and also a variety loans programs to buy or refinance. Also if you need to sell your home, We will be able to help you. JLV Realty and Mortgage will to work under the principal that the client is always right even though we are also realistic.
Lending for Living is locally owned and operated offering extraordinary loan services for individuals seeking to fulfil their dream of home ownership, refinance or create stability. Years of experience and a knack for the challenging has earned us the reputation of being "VA Specialists" and "Mountain Property Specialists".
This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment.
When Mocse Federal Credit Union was granted its charter in February of 1959, Mocse’s membership consisted of seven members and an asset size of $35.00. These seven founding members recognized that employees of Modesto City Schools were in need of financial services provided by a credit union. They were correct in this assumption.
