USDA VS FHA in Oakdale, Stanislaus County, CA

For 2026, the USDA loan limit in Oakdale, within Stanislaus county, CA, is $412,000, while the FHA limit for a single-family home is $517,500.

Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA rates, and determine the necessary income, credit, reserves, and documents for eligibility. Our advanced mortgage calculator lets you evaluate USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program for your financial scenario in Alabama.

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2026 Loan Limits and Down Payment Requirements in Oakdale, 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 Options in Oakdale, CA

Lendersa® aims to quickly connect you to the best USDA or FHA loan options without hassle. Choose one of three starting points for matching with lenders and available USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

The USDA home loan, ensured by the Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is available solely for rural areas. Unlike FHA loans requiring a 3.5% down payment, the USDA mortgage does not demand any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • Homestate Mortgage Company
  • 3801 Centerpoint Drive, Suite 100, Anchorage, AK, 99503
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  • Homestate Mortgage, we offer a wide variety of loan programs to fit any home buying scenario. Whether you're buying your very first home or a veteran homeowner moving up or downsizing, we have the right mortgage & program to fit your needs.Our staff of seasoned professionals will make certain that the mortgage part of your home buying experience
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  • 111 East Main Street, Lancaster, OH, 43130
  • Fairfield Federal Savings & Loan Association is your Fairfield County community bank specializing in Home Mortgage Loans. We've been serving the Lancaster community since 1895. Fairfield Federal is a Member of the FDIC and is an Equal Housing Lender. Stop in and see us today! We are banking that revolves around you
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