USDA Loan Vs. FHA loan pro & con Oakley, Contra Costa County, CA

As of 2026, the USDA loan limit for Oakley in Contra Costa County, CA is $776,600, while the FHA limit for a single-family home is $1,089,300.

Leverage the Lendersa® USDA loan calculator to compare today's best rates between USDA and FHA loans, and determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding you in deciding which program is optimal for your financial needs in .

USDA and FHA Loan Options in Oakley, CA

The aim of Lendersa® is to quickly secure the best USDA or FHA loan for you without hassle. Choose from three starting points to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA loan, often called a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and available only in rural areas. Unlike FHA loans that require a 3.5% down payment, no down payment is needed for a USDA mortgage.

Get top 10
USDA LENDERS
customized to yout needes

(605) 342-9451 Lender's profile and map Reviews Rushmore Electric Federal Credit Union 1715 Cambell Street, Rapid City, SD, 57701 Rushmore Electric Federal Credit Union was formed to assist employees and directors of rural electric cooperatives with their financial needs and planning in September 1964. Credit Unions are non-profit financial cooperatives and member-owned, just like rural electric cooperatives.
(605) 341-1203 Lender's profile and map Reviews First Western Federal Savings Bank 402 Main St, Rapid City, SD, 57701 At First Western Federal Savings Bank, you’ll find an honesty from our non-recourse lenders that you won’t find anywhere else. We take extraordinary pride in providing simple, straightforward answers to your very important questions about buying investment real- estate. As a portfolio lender for over 30 years.
(605) 342-7776 Lender's profile and map Reviews Med 5 Federal Credit Union 4956 5th Street, Rapid City, SD, 57701 We strive to create a high-performance credit union committed to offering our members a competitive advantage on products and service compared to traditional lenders and big banks. Through our commitment to become our members’ primary financial institution, we shall consistently and constantly strive to assist members to attain their personal
(800) 672-6365 Lender's profile and map Reviews Highmark Federal Credit Union 725 5th St, Rapid City, SD, 57701 Highmark Federal Credit Union is Rapid City’s first credit union. Originally chartered as Rapid City Teacher’s Federal Credit Union in 1940, we are a member-owned, not-for- profit financial cooperative with six locations serving anyone located across 11 counties in Western South Dakota and Eastern Wyoming.
(605) 718-1818 Lender's profile and map Reviews Black Hills Federal Credit Union 200 Main Street, Rapid City, SD, 57701 BHFCU has been a part of buying thousands of first cars and starter homes. We've helped hundreds go to school or back to school. Our credit cards and debit cards have bought a lot of birthday presents and groceries. We've believed in small businesses when they were little more than an idea.
(605) 646-2800 Lender's profile and map Reviews Unify Home Lending 2101 Mt. Rushmore Rd, Suite 300, Rapid City, SD, 57701 We are the Midwest's newest Mortgage Lender! Backed by tremendously experienced, ethical, and hardworking individuals; we have over 100 years combined experience and knowledge in the mortgage industry. In a day where it seems everyone is franchising or net branching, we are breaking out of the mold to provide better service.
(605) 391-8777 Lender's profile and map Reviews OMNI HOME FINANCING LLC 1508 Mt Rushmore Road, Rapid City, SD, 57701 Omni Home Financing in 2003, and is a leader in the Black Hills mortgage marketplace. A locally owned, boutique mortgage broker serving over 3,000 clients and over $493,000,000 funded, Omni has a great reputation for smooth, on-time, no surprises closings with the best terms, and also Black Hills marketplace in wholesale mortgage lending.
(605) 484-3591 Lender's profile and map Reviews HERITAGE HOME LENDING 2209 Mount Rushmore Rd, Suite 1, Rapid City, SD, 57701 Heritage Home Lending is a Mortgage Brokerage founded in Rapid City, SD. The goal is your peace of mind. The goal is to earn your trust and exceed your expectations. Jesse Herrington and Brady MacIver are two very experienced loan officers that will be working diligently on your behalf.
(605) 791-1424 Lender's profile and map Reviews Dacotah Federal Credit Union 2990 E Highway 44, Rapid City, SD, 57703 Since its inception in 1950 the Dacotah Federal Credit Union has been serving its members in the Rapid City, South Dakota area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages.
(575) 769-1911 Lender's profile and map Reviews The Citizens Bank of Clovis 421 Pile Street, Clovis, NM, 88101 Incorporated on January 7, 1916, with capital stock of $25,000, The Citizens Bank of Clovis has become the largest independent financial institution in East-Central New Mexico now with assets in excess of $449,000,000. With capital in excess of $46,000,000, it is one of the best capitalized banks in New Mexico.
(575) 769-9000 Lender's profile and map Reviews The Bank of Clovis 300 Main Street, Clovis, NM, 88101 The Bank of Clovis is a state chartered bank with deposits insured by the FDIC. The Bank was founded October 16, 2000. Our shareholders are employees, farmers, ranchers, small business owners, construction workers, teachers, doctors, lawyers, nurses, policemen, and firemen -- all from Curry County and the surrounding area.