FHA Vs. USDA loan program for Modesto, Stanislaus County, California

In the year 2026, the USDA loan limit for the area of Modesto, located in the county of Stanislaus, CA, stands at $412,000. Comparatively, the FHA loan limit for a single-family dwelling here is $517,500.

Employ the Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates. This tool assists in evaluating the necessary income, credit score, reserve funds, and supporting documents needed for qualification. Our comprehensive mortgage calculator lets you examine USDA, FHA, Conforming, and VA loans side by side, aiding your decision to select the ideal program for your financial circumstance in .

USDA and FHA loan possibilities in Modesto, CA

The mission of Lendersa® is to swiftly deliver the best USDA or FHA loan with no hassle. You can start with one of three pathways to find lenders that match with recommended USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan is a government-backed mortgage provided through the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. It is specifically available in rural areas. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA loans do not require any down payment.

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(541) 388-3432 Lender's profile and map Reviews Cascade Mortgage Co 19717 Mount Bachelor Dr, Suite 258, Bend, OR, 97702 Cascade Mortgage company, where we specialize in residential mortgages. At Cascade Mortgage company, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
(435) 590-3685 Lender's profile and map Reviews Garrett Mortgage 2202 N Main St, Suite 104, Cedar City, UT, 84721 Garrett Mortgage offers a wide range of mortgage options to meet your financial needs and circumstances. Whether you’re a first-time property buyer or interested in refinancing your mortgage, I’m here to guide you through the process. Contact me today and learn what I can do for you.
(800) 452-3313 Lender's profile and map Reviews Mid Oregon Credit Union-Home Loans PO Box 6749, Bend, OR, 97708 Mid Oregon Credit Union traces its roots back to 1957 as the first credit union established in Central Oregon by a group of teachers and school employees in Prineville. Today, Mid Oregon Credit Union is the only Credit Union headquartered and doing business solely in Central Oregon.
(541) 323-7000 Lender's profile and map Reviews Northwestern Home Loans 906 NW Harriman Street, Bend, OR, 97703 We strive to provide you with a professional and personable team that is committed to helping you obtain home financing that fits your needs. Exceeding your expectations through our array of lending options, competitive rates and outstanding customer service is our number one goal.
(541) 241-8344 Lender's profile and map Reviews Azara Capital Solutions LLC 2583 North West Monterey Pines Drive, Bend, OR, 97703 Tracia Larimer began in the mortgage industry in 1991 after a friend prompted me to consider this field as a career choice. Through Tracia's large network of lenders, she is able to offer a diverse array of loan products and terms from my mortgage toolbox - conventional, jumbo, FHA, VA USDA and non-conforming loan products.
(541) 848-7472 Lender's profile and map Reviews High Lakes Lending LLC 2755 NW Crossing Dr., Suite 229, Bend, OR, 97703 At High Lakes Lending, LLC, we look forward to meeting with you in person any chance we can get. Please feel free to schedule a meeting to discuss your Home Buying or Refinance plans. Too busy for an in person meeting? We also will schedule meetings by phone or video conference.
(541) 323-0422 Lender's profile and map Reviews Arbor Mortgage Group 209 NE Greenwood Avenue, Suite 100, Bend, OR, 97701 Arbor Mortgage Group, we are extremely passionate about what we do and where we live, which naturally makes us want to serve our community the best we can. For every client we have the opportunity to work with, we strive to provide an unparalleled personal, positive and professional experience.
(866) 341-1400 Lender's profile and map Reviews Western Mortgage Brokers, Inc. 2440 Willamette Street, Suite 201, Eugene, OR, 97405 We’re proud to be a broker, not a bank. It means we do the shopping and you get the best interest rate and advice; we are experts in what we do because all we do is mortgage financing. We are locally owned and operated. We live here, we work here, we play here. We’re your friends and neighbors, people who will put your interests first.
(760) 623-1050 Lender's profile and map Reviews Nava Commercial Capital & Real Estate Inc. 578 G Street, Brawley, CA, 92227 At Nava Commercial Capital & Real Estate Inc. We are a full-service mortgage company based in Brawley, California. We specialize in Residential Loans, Hard Money, Commercial Loans, and Business Loans. Whether you are buying a home or refinancing, we can help you realize your dream of home ownership or save you money
(541) 746-5240 Lender's profile and map Reviews Citizens Bank 2355 Olympic Street, Springfield, OR, 97477 In April 1957, a small group of community and business leaders came together and voted to establish a home-owned bank in Corvallis. The organizers intended to fill a need for a friendly banking service dedicated to all of the community and to the building of a thriving local economy.
(541) 741-2605 Lender's profile and map Reviews Gateway Credit Union 3030 Gateway Loop, Springfield, OR, 97477 Gateway Credit Union represents a strong and secure financial institution. Still committed to quality service, GCU looks forward to many years of serving the financial needs of its membership. Gateway Credit Union (formerly known as Food Industries Credit Union) has been open since 1963.
(541) 988-9059 Lender's profile and map Reviews Emerald Empire Federal Credit Union 850 Beltline Road, Springfield, OR, 97477 Our mission is To provide members with low rates on loans and a high return on their savings as well as other financial services based upon co-operative principles. To provide our members with a convenient, friendly atmosphere and offer them the opportunity to achieve a higher standard of living with a feeling of ownership of the credit union.