USDA Loan Vs. FHA loan pro & con North-Highlands, Sacramento County, CA

In 2025, USDA loan limit in North-Highlands, county of Sacramento, CA is $478,400 while FHA limit is $598,000 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 North-Highlands, 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.

(916) 439-0787 Lender's profile and map Reviews Wholesale Direct Lending 725 30th St, Suite 102, Sacramento, CA, 95816 Wholesale Direct Lending buying, selling, Refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(916) 628-4005 Lender's profile and map Reviews Empyrean Mortgage 4700 Northgate Boulevard, Suite 157, Sacramento, CA, 95834 Mitch Peters of Empyrean Real Estate can assist you with a variety of real estate services, such as assisting buyers to find their next Sacramento real estate property or Sacramento home, and assisting sellers in selling their Sacramento home or Sacramento real estate property and getting the most for their Sacramento real estate property.
(916) 899-3599 Lender's profile and map Reviews Cap City Mortgage Inc 4080 Truxel Road, Suite 100, Sacramento, CA, 95834 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.
(916) 396-0967 Lender's profile and map Reviews Wholesale West Lending Inc 725 30th street, Suite 203, Sacramento, CA, 95816 "Rafael Jauregui and his staff have dedicated themselves to providing outstanding services to customers involved in the financing of residential real estate Rafael Jauregui is committed to providing excellence you deserve. From the first-time homebuyer needing down payment assistance to the sophisticated investor"
(916) 469-3749 Lender's profile and map Reviews Golden Bay Mortgage Group 1143 N. Market Blvd Suite 1, Sacramento, CA, 95834 Our company was built from opportunity. Much of our time in the mortgage industry has been rough seas and waves of changes and regulations. Now times have changed and the importance of home ownership is again an opportunity for all. Our intention is to provide a place where our customers can feel secure
(916) 416-5626 Lender's profile and map Reviews KMG Kappel Mortgage Group, Inc. 3673 J Street Sacramento, Sacramento, CA, 95816 Welcome to Kappel Mortgage Group! Where you will find mortgage brokers that are experts and understand the local market and rates so that you can ensure you are getting the best deal. Whether you are first time home buyer purchasing your dream home, refinancing an outstanding loan.
(916) 367-7508 Lender's profile and map Reviews Cali Mortgage 9067 Foothills Blvd, Suite 6, Roseville, CA, 95747 At Cali Mortgage we are here to serve your mortgage needs while also providing the very best service. I have also come up with a way to get your interest rate much lower than the market rate. As Direct Lender we offer the most aggressive rates in the market along with lightning fast approvals.
(916) 538-2274 Lender's profile and map Reviews Cal-Pro Lending 8049 Fort Collins Way, Roseville, CA, 95747 We've been helping customers afford the home of their dreams for many years and we love what we do. we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. 26 Years of experience in mortgage lending.
(916) 838-1464 Lender's profile and map Reviews Infinity Home Loans, Inc 800 Mitchell Court, Roseville, CA, 95747 Our mission, as a boutique mortgage broker, is to provide you with a concierge level of serivce and to serve you with honesty, integrity and decades of expertise. Our goal is to provide you a home loan while helping you get the lowest interest rates and closing costs possible and do it by making the process as easy as possible.
(916) 516-1116 Lender's profile and map Reviews Mac Real Estate Services 140 Diamond Creek Place, Suite 140, Roseville, CA, 95747 "We’re mortgage experts so you don’t have to be. We don’t overwhelm our clients with paperwork. We overwhelm them with service. We measure our success by how you measure our service. We believe in doing a good job – – – even when no one is looking. We go to work, so you can go home."
(800) 556-6768 Lender's profile and map Reviews First U.S. Community Credit Union 580 University Avenue, Sacramento, CA, 95826 First U.S. has been making a difference in the financial lives of our members with affordable loans, generous savings programs and friendly, personal service full line of savings options, loan solutions and decades of home financing experience, First U.S. has the products and services you need to achieve your goals.
(916) 386-1418 Lender's profile and map Reviews California Community Credit Union 8815 Folsom Blvd, Sacramento, CA, 95826 California Community Credit Union has been serving our members since 1939! As a full-service financial institution, we offer the same services as most other financial institutions with one major exception - we believe that service also includes some old-fashioned courtesy and a friendly greeting