USDA Loan Vs. FHA loan pro & con for Modesto, Stanislaus County, CA

In 2025, USDA loan limit in Modesto, county of Stanislaus, CA is $412,000 while FHA limit is $517,500 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Modesto, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(912) 629-2900 2285 miles Lender's profile and map Reviews First Chatham Bank 111 Barnard Street, Savannah, GA, 31401 Opening its doors on January 23, 2002, First Chatham Bank became the first community bank chartered in Chatham County since 1989. Since that time, First Chatham Bank has proven to be the premier community bank in the Coastal Empire. The Bank was a vision of local business leaders.
(855) 849-5626 2285 miles Lender's profile and map Reviews InstaLoan 15 Bull Street, Savannah, GA, 31401 At InstaLoan, we take the guesswork out of finding what the best loan is for you. Our friendly staff will review all of the different lending options with you. So whether you’re looking for a larger loan, a loan with easy payment options, or a loan where your credit score isn’t the primary factor in the approval process, InstaLoan can help
(434) 846-1300 2285 miles Lender's profile and map Reviews Blue Ridge Mortgage 916 Main Street, Suite 400, Lynchburg, VA, 24504 Blue Ridge Mortgage you have a lender that you can count on for your family’s needs for generations to come! Community-Oriented Blue Ridge Mortgage is a locally owned and operated residential mortgage company. We specialize in purchase loans, rate and term refinance, and debt consolidation.
(843) 549-2265 2285 miles Lender's profile and map Reviews Bank of the Lowcountry 1100 North Jefferies Boulevard, Walterboro, SC, 29488 Bank of the Lowcountry is a local community bank founded in Walterboro, SC – the “front porch of the Lowcountry.” Our institution was founded by ten prominent Walterboro businessmen in October of 1988, resulting in the first commercial chartered bank organized in Walterboro in over 65 years.
(843) 549-2526 2285 miles Lender's profile and map Reviews First Federal-South Carolina 300 Robertson Blvd, Walterboro, SC, 29488 1ST FEDERAL SAVINGS BANK OF SC, INC. “The Family Bank” Our institution was established in August of 1963 as First Federal Savings & Loan Association of Walterboro. Through the years our name has changed, but our founding principle has remained the same: providing outstanding service
(843) 383-3050 2286 miles Lender's profile and map Reviews Mutual Savings Bank 330 West Carolina Avenue, Hartsville, SC, 29550 Mutual Savings Bank is a federally chartered savings association engaged in a variety of financial services. Our main goal is to offer the personalized service that can only be found at a community bank. We are conveniently located at 330 W. Carolina Avenue in Hartsville. Please visit or contact us during the operating hours shown below.
(843) 332-4506 2286 miles Lender's profile and map Reviews SPC Credit Union 204 N 5th Street, Hartsville, SC, 29550 SPC Credit Union is a full-service, member-owned, not-for-profit financial institution headquartered in Hartsville, South Carolina. We are proud to have served this region for more than 70 years. A firm commitment to our mission of "Compassion. Connection. Community." has led us to be rated.
(585) 593-4959 2286 miles Lender's profile and map Reviews Alco Federal Credit Union 2859 Lindy Lane, Wellsville, NY, 14895 The Alco Federal CU is a local financial institution, existing to provide personal financial services to its members. Like all credit unions, management is by a Board of Directors made up of persons democratically elected from its membership, by the membership. Membership is available to all persons who live, work, worship or attend school.
(912) 279-2000 2287 miles Lender's profile and map Reviews Marshland Credit Union 3650 Community Rd, Brunswick, GA, 31520 Marshland Credit Union consistently serves its members with the high-quality and professional service they look for in a financial institution. Marshland Credit Union is a not-for-profit organization. This means that any profits made by the credit union are returned to the member in the form of lower rates on loans
(912) 275-7635 2287 miles Lender's profile and map Reviews Loan Velocity 4236 Norwich St, Brunswick, GA, 31520 veterans, Loan Velocity is a team of mortgage professionals with over one hundred years of combined experience. By integrating the ideals and principles from our military experiences, we strive to always give our clients our detailed attention while completing the mission at hand. Here at Loan Velocity, we believe that honesty and integrity
(800) 581-2256 2287 miles Lender's profile and map Reviews JM Associates Federal Credit Union 9987 Pritchard Road, Jacksonville, FL, 32219 JM Associates Federal Credit Union officially opened its doors on October 21, 1980, at the SET Port Facility. A full-service, federally chartered credit union, JMAFCU serves associates and family members in all 50 states and abroad. JMAFCU currently has 5 offices. Two in Jacksonville, FL, Deerfield Beach, FL, Mobile, AL, St. Louis, MO.
(904) 964-7830 2287 miles Lender's profile and map Reviews Community State Bank FL 811 South Walnut Street, Starke, FL, 32091 Community State Bank has remained true to the dream of our founders: to provide quality service to the community in which we live and work. We are still going strong, and we hope to be there for every important phase of your life, from buying your first home, to starting your own business, to saving for retirement.