USDA Vs. FHA Pro and Con comparison in Novato, Marin County, CA
For the year 2025, the USDA loan cap in Novato, located within Marin county, CA, stands at $776,600, whereas the FHA loan cap for acquiring a single-family home is set at $1,089,300.
To compare the optimal USDA and FHA loan rates available today, utilize the Lendersa® USDA loan calculator. This tool is instrumental in determining the necessary income, credit requirements, reserves, and documentation required to qualify. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loan options in parallel, allowing for a more informed decision regarding the best program for your financial needs, particularly if you're in Alabama.
2025 Loan Limits & Downpayment Criteria for Novato, County of Marin, CA
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA & FHA Loan Options in Novato, CA
Lendersa® is committed to providing you with the most suitable USDA or FHA loan quickly, and without unnecessary stress. Choose from one of three initial pathways that lead to matching with appropriate lenders and USDA loan options.
The USDA home loan, endorsed by the U.S. Department of Agriculture, is alternatively referred to as a USDA rural development loan or USDA mortgage. It is specifically for rural locales, contrasting with FHA loans that require a minimum 3.5% down payment, as USDA loans necessitate no down payment whatsoever.
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Community State Bank operates as a full-service bank. The Bank accepts deposits, makes loans, and provides other services for the public. Community State Bank has a wide array of services to meet your every day needs. We have simplied personal banking that you can access anytime.
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