USDA and FHA Pro and Con in Modesto, Stanislaus County, CA
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 .
Loan limits for 2026 and downpayment details in Modesto, Stanislaus, CA
Loan Type
Loan Limit
Down payment
USDA
$412,000
0%
FHA
$517,500
3.5%
Conventional Conforming
$726,200
3%
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.
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.
We 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: we will help you qualify, apply and be approved for the ideal mortgage for you.
Georgetown University Alumni & Student Federal Credit Union
3700 O Street NW, Suite 1328, Washington, DC, 20057
The mission of the Georgetown University Alumni and Student Federal Credit Union is to grant credit for provident and productive purposes, to provide affordable financial services to its members, and to educate its members and volunteers about the credit union movement through practical business experience
This credit union was originally established as the S. Morgan Smith Credit Union and incorporated under the laws of the Commonwealth of Pennsylvania on December 23, 1954. It became known as the Allis Chalmers Credit Union upon that company's acquisition of the S. Morgan Smith Company on April 1, 1959.
The Syracuse Fire Department Credit Union was chartered on March 24, 1950. Since that day, we have proudly served professional firefighters in Syracuse and surrounding communities. Today, our membership primarily consists of profesional firefighters, police officers, emergency responders and other small businesses from around Central New York.
Empower Federal Credit Union is a full-service financial institution that provides savings, loan, and transaction services to members in Central New York, and in eight counties in New York State. Main offices are located in Syracuse NY. As a credit union, Empower is a financial cooperative and is not-for-profit. For information go to www.empowerfcu
The First National Bank of Dryden has been involved in our local community for over a century. We keep the business local and we keep the customer service local. The person answering our phone will never be automated.Over time, we've expanded into the Cortland area and most recently the historic district of Homer
RVA Financial was organized on August 23, 1950 as the Richmond, Virginia Municipal Federal Credit Union to provide financial services to employees of the City of Richmond. The National Credit Union Administration approved the charter the following month, and the first membership meeting was held on September 14, 1950.
The Richmond Virginia Fire Police Credit Union, Inc. is sponsored by the City of Richmond, Virginia's Department of Fire and Emergency Services, Police Department and its affiliates. We are a member-owned, not-for-profit financial cooperative. Our mission is to serve the most precious commodity which is our members and their families.
Credit Union of Richmond, Virginia’s longest continuously running credit union. We are a member-owned financial cooperative that is dedicated to building members dreams by offering quality personalized services that go above and beyond to fulfill your financial needs. Every member has different financial needs.
Liberty Mortgage has been serving the Richmond community with mortgage lending options and superior customer service from experienced local experts. Located in the heart of the fan district in the Branch Museum of Architecture, Liberty Mortgage is one of the only remaining independent mortgage brokers in the city.
Richmond Heritage Federal Credit Union was founded as a “self-help” not-for-profit organization during the Great Depression in 1936 by ten educators. They recognized the need for access to economic resources not offered to African-Americans by traditional financial institutions at that time.
8305 Richmond Hwy, Suite 12A, Alexandria, VA, 22309
First Meridian Mortgage Corporation is a trusted mortgage broker licensed to do business in Virginia, Maryland and District of Columbia. First Meridian’s purpose is to offer the most competitive mortgage interest rates and expert advice and guidance. First Meridian Mortgage Corporation is a Veteran Owned business.
