USDA and FHA Pro and Con in Oxnard, Ventura County, CA
In 2026, in the city of Oxnard, located within Ventura county, CA, the USDA loan cap is $680,800. Meanwhile, the FHA loan limit for a single-family home in the same area is $948,750.
Lendersa® provides a USDA loan calculator that allows you to look at today’s most competitive rates between USDA and FHA loans. This tool helps you assess required income, credit, reserves, and crucial documents for eligibility. Utilize our advanced mortgage calculator to conveniently compare USDA, FHA, Conforming, and VA loans side by side, ensuring the best choice in aligns with your financial requirements.
Understanding loan limits and downpayment necessities for 2026 in Oxnard, Ventura, CA
Loan Type
Loan Limit
Down payment
USDA
$680,800
0%
FHA
$948,750
3.5%
Conventional Conforming
$948,750
3%
Diverse USDA and FHA loan avenues in Oxnard, CA
The aim of Lendersa® is to seamlessly connect you with the most advantageous USDA or FHA loan swiftly. Choose from three starting pathways that lead you to lender matches and relevant USDA loan schemes.
A USDA loan is a government-backed mortgage provided by the United States Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. It is suited to rural community areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.
1010 E. Silver Springs Blvd, Suite D, Ocala, FL, 34470
Fidelity One Mortgage Group was established in 2006 with the mission of creating extraordinary mortgage solutions for the citizens of Florida. That mission continues to be a driving force through today. Fidelity One Mortgage Group has always sought out the nation's most creative and responsible lenders.
Allstate Mortgage of Florida strives to ensure that its services are accessible to people with disabilities. Allstate Mortgage of Florida has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities,
"LoanFlight Lending is licensed by the U.S. Department of Housing and Urban Development as a Title II Mortgagee and a FHA approved licensed mortgage lender.
Here at LoanFlight Lending, a privately held mortgage lender, we excel at the forefront of technology driven mortgage marketing and origination. Using vast national experience,"
CORE Financial, is ready to give you and your loan the service and attention it deserves. We have 15 years of experience at your service. We make it our mission to keep you headache-free during your entire loan process. Whether this is your first financing, a loan for remodeling, refinancing your home, or just simple debt consolidation
TCM Bank, N.A., a subsidiary of ICBA Bancard, serves as a trusted advisor to community banks, helping build and strengthen customer relationships with a market competitive and fully branded consumer and business credit card agent program.
Through our Total Card Management program.
2541 N Dale Mabry Hwy, Suite 126, Tampa, FL, 33607
DKC Lending offers hard money lending services to real estate investors in Tampa & other Cities in Florida. We provide borrowers with personalized loan origination services and funding. DKC has a variety of funding sources, which allows us to match the borrowers’ hard money loan needs with the best source of funding for their deal.
1ST FLORIDA MORTGAGE company as As a local Florida mortgage company, we have the flexibility to underwrite using common sense underwriting giving us the flexibility and efficiency unavailable to traditional mortgage brokers or local banks. Unlike many “online mortgage companies” who focus is primarily on rate and high pressure sales.
NLP provides flexible, innovative, and solution-oriented financing and services that renew and rebuild inclusive and sustainable neighborhoods. Neighborhood Lending Partners is a certified CDFI, and lending consortium of banking institutions that facilitate private investment for community revitalization and neighborhood preservation.
4021 North Armenia Avenue, Suite 102, Tampa, FL, 33607
"At Home Loans By U, we have access to financing options that NO local bank or direct lender has available.
Will and his team of experienced Loan Officers can CLOSE a mortgage loan FASTER than anyone in the industry. We review everything up front in an effort to avoid many common mistakes made by other loan officers."
3001 N. Rocky Point Dr E, Suite 200, Tampa, FL, 33607
"CharterStone Mortgage has perfect balance of technology and the right people to make getting a loan simple and fast. We close in a fraction of the time it takes our competitors.
Positioned with the latest technology, we provide elite service to the local community that our borrowers and referral partners love."
5005 West Laurel Street, Suite 212, Tampa, FL, 33607
Florida Pro Mortgage is your best source for the lowest-rate financing on the market. Why? Because as a brokerage we access mortgages at wholesale rates and pass the savings on to you. Florida Pro Mortgage works one-on-one with each individual client, evaluates their specific needs and finds a lender that suits their situation personally.
