USDA and FHA Pro and Con in Oakland, Alameda County, CA
In 2025, the USDA loan cap in Oakland, Alameda county, CA is $776,600. Comparatively, the FHA loan cap for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to evaluate and contrast the top current USDA and FHA rates. This tool will help you discern the required income, credit, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator juxtaposes USDA, FHA, Conforming, and VA programs to assist you in determining the best fit for your financial needs in Alabama.
2025 Loan Caps and Down Payments in Oakland, Alameda, CA
Type of Loan
Loan Cap
Initial Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Choices in Oakland, CA
Lendersa® is committed to securing you the best USDA or FHA loan swiftly and without complications. Begin with any of our three options to connect with lenders and USDA loan schemes.
The USDA mortgage, backed by the U.S. Department of Agriculture and also called a USDA rural development loan, is tailored for rural areas. This distinguishes it from FHA loans, which require at least a 3.5% down payment, while USDA loans require none at all.
Lorenzo Rivera has over 14 years of experience in the Real Estate market. He is a licensed Realtor and Mortgage Originator, with experience that spans across the state of California. Lorenzo strives to build a meaningful relationship with every client, ensuring that everyone has a pleasant experience throughout the buying or selling process.
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.
12230 World Trade Drive, Suite 250, San Diego, CA, 92128
"Headquartered in San Diego, California, LendSure Mortgage Corp. was founded in 2015 to help mortgage professionals better serve their clientele by offering a wider range of programs to meet their needs.
LendSure offers a comprehensive range of Non-QM loan programs for borrowers that don’t fit conforming guidelines. Our loan programs include:"
16776 Bernardo Center Drive, Suite 203, San Diego, CA, 92128
At Financial Cornerstone, Inc., we strive to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options.
Founded in 2002, Advantage Mortgage is a service oriented real estate mortgage brokerage owned and operated by Richard G. "Buck" Hite. Buck Hite has been a licensed real estate and mortgage broker for over 30 years. His experience and knowledge are invaluable in successfully navigating the real estate transaction.
16476 Bernardo Center Dr, Suite 127, San Diego, CA, 92128
Platinum Mortgage is all about the relationship we build with our clients, it all begins & ends with our clients.We will take the utmost care to ensure that our clients goals are exceeded & there financial health is always in a better place when they use services. Platinum Mortgage has the knowledge, experience & wherewithal to structure your loan
11956 Bernardo Plaza Dr, Suite 135, San Diego, CA, 92128
Our Mission is to earn the trust of our clients through performance of professional hard work and dedication to achieve our clients goals; whether Selling, buying or obtaining the best Mortgage Rate and and Term for your next Purchase or Refinance. We aim to be our clients best choice.
11828 Rancho Bernardo Road, Suite 201, San Diego, CA, 92128
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.
