USDA Loan Vs. FHA loan for Oildale, CA [ best of 2023]

In 2025, USDA loan limit in Oildale, county of Kern, CA is $345,100 while FHA limit is $472,030 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 Oildale, 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.

(800) 293-9991 2311 miles Lender's profile and map Reviews First Funding Inc 9701 Apollo Drive, Suite 495, Largo, MD, 20774 "Incorporated in 1997, the home loan experts at First Funding, Inc. have been serving clients since 1990 and continues building strong relationships with some of the best lending institutions nationwide. First Funding, Inc. provides access to the most flexible lending solutions that not only meet the financial needs of its clients
(910) 264-2446 2312 miles Lender's profile and map Reviews Gateway Funding, Inc. 338 Shipyard Blvd, Wilmington, NC, 28412 Gateway Funding, Inc. is a NC based family owned and operated specializing in commercial lending with a wide range of products in 45 states. We give a free consultation in order to determine the goals of the client and assess their financial situation. (Including refinancing) Gateway Funding, Inc.
(910) 617-3793 2312 miles Lender's profile and map Reviews Seaside Mortgage 5653 Carolina Beach Rd, Suite D2, Wilmington, NC, 28412 We specialize in residential mortgages and offer conventional, FHA, USDA, and VA loans. We take pride in treating each customer as a family member! Our dedication to customer service is the foundation of our business. With many years experience, it’s the reason so many of my clients finance with Seaside Mortgage.
910-720-0175 2312 miles Lender's profile and map Reviews USA Capital Group 818 St Andrews Dr Unit L, Wilmington, NC, 28412 USA Capital Group provides alternative financing options for small businesses, as well as, personal loans nationwide. We have helped hundreds of Americans start a new business or expand their current business. We offer innovative financial solutions that bring Peace of Mind to the American People.
(888) 532-5674 2312 miles Lender's profile and map Reviews US Mutual Home Loans Inc 201 International Circle, Suite 230, Hunt Valley, MD, 21030 We look forward to elevating your experience! At US Mutual Home Loans we don’t launch rockets; we don’t have fancy bells and whistles that drive up the cost of your loan. What we offer is unparalleled personal service, creative mortgage products, and cost effective financing solutions with interest rates that will make you REALLY happy.
(410) 683-1500 2312 miles Lender's profile and map Reviews Alliance Mortgage Funding Inc 111 Warren Road, Suite 10A, Cockeysville, MD, 21030 Alliance Mortgage Funding, Inc. has been a 100% Referral Based business. We are locally owned and operated, so you are working with local professionals, not a call center in another state. Licensed in Maryland and Pennsylvania, we help all of our clients make all of the right mortgage financing decisions, for all the right decisions.
(410) 628-0500 2312 miles Lender's profile and map Reviews Freedmont Mortgage Group 50 Scott Adam Rd, Cockeysville, MD, 21030 Freedmont Mortgage®, a division of NFM Lending, has set the standard for trust, honesty, and integrity in the industry for nearly two decades. As one of the oldest licensed mortgage firms in the Mid-Atlantic area, we have the experience and reputation to assist homeowners and homebuyers in a variety of situations.
(301) 817-1200 2312 miles Lender's profile and map Reviews Police Federal Credit Union 9100 Presidential Parkway, Upper Marlboro, MD, 20772 The Police Federal Credit Union, headquartered in the Washington, D.C. metropolitan area, is a full service, not-for-profit, financial institution that has been committed to protecting the financial interests of members of the law enforcement community and serving their financial needs since 1935.
(410) 474-7153 2312 miles Lender's profile and map Reviews Navigator Mortgage Brokers 16701 Melford Blvd, Suite 459, Bowie, MD, 20715 Whether you’re 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.
(315) 654-2115 2312 miles Lender's profile and map Reviews Citizens Bank of Cape Vincent 154 Broadway St, Cape Vincent, NY, 13618 Citizens Bank of Cape Vincent has been a part of the local community for almost 100 years. We have now grown to 3 locations, serving over 7200 customers throughout the local communities. We provide various products including checking and savings accounts, mortgage loans, automobile loans, certificates of deposit, safe deposit boxes, and more.
(410) 584-7228 2312 miles Lender's profile and map Reviews Point Breeze Credit Union 11104 McCormick Road, Hunt Valley, MD, 21031 Point Breeze Credit Union offers easy, reliable banking by helping you save time and money. We put our members first and endeavor to make your life easier through friendly, convenient service that makes banking feel less like a chore. As a Point Breeze member, you can expect a warm welcome and a hassle-free experience.