USDA Vs. FHA Pro and Con comparison in Parlier, Fresno County, CA

In 2025, USDA loan limit in Parlier, county of Fresno, CA is $405,000 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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2025 loan limits and downpayment requirments in Parlier, county of Fresno, CA

Loan Type Loan Limit Down payment
USDA $405,000 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Parlier, 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.

Lendersa USDA loan request and matching results

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.

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



  • Finance of America Commercial LLC
  • 30 Executive Park, Suite 130, Irvine, NY, 92614
  • As part of the Finance of America family of companies, Finance of America Commercial provides individual and business exposure limits with individual FIX & FLIP rehab property loans, along with BRIDGE loans, and SINGLE & PORTFOLIO RENTAL term loans to residential real estate investors across the country, helping our clients overcome traditional fin
  • 5 Arch Funding Corp.
  • 1920 Main St., Suite 850, Irvine, CA, 92614
  • CoreVest (previously Colony American Finance) was founded in 2014 to meet the demand for affordable debt capital by a broad range of residential real estate investors. Our experience and scale enabled us to provide attractively priced loans and bring investment financing from “Wall Street” to “Main Street”.
  • LendingXpress
  • 17785 Sky Park Circle, Ste E,, Irvine, CA, 92614
  • LendingXpress is a California based commercial, private/hard money, and residential broker/lender specializing in mortgage loans for real estate ranging from various sizes and types ranging from $100,000 to $100,000,000. If you are looking to purchase a properties, refinance, cash out, bridge loan, fix and flip etc..
  • Alt Financial Network, Inc.
  • 18022 Cowan Suite: 245, Irvine, CA, 92614
  • ALT Financial Network is a small group of honest, experienced mortgage professionals. We offer some of the lowest rates and closing costs in the industry because we strive for repeat business from our clients. We stand firmly behind our Good Faith Estimates so you don't have to worry about surprises at closing time
  • E Mortgage Capital, Inc.
  • 2355 Main St, Suite 230, Irvine, CA, 92614
  • Since 1992, the Equity Wave Lending, Inc. staff has specialized in prudent underwriting and responsible direct hard money and private money lending to disadvantaged and under-served Americans. We also provide non-US citizens here and around the world the opportunity to share in the American dream, and invest in our great country.
  • Val-Chris Investments, Inc.
  • 2601 Main Street, Suite 400, IRVINE, CA, 92614
  • Val-Chris Investments, Inc. has been serving California since 1975, specializing in both residential and commercial loans, as well as real estate trust deed purchases. We are a private money lender providing 1st, 2nd, and 3rd trust deeds with loan amounts up to $4.000.000. We have lent over $1 trillion in our career.
  • The Gill Group
  • 485 E. 17th Street, Suite 200 & 202, Costa Mesa, CA, 92627
  • our full loan approval process is unique in comparison to the average lender's pre-approval process. My team is structured to provide a high level of customer service. Please contact us to inquire about the advantages of our VIP buyer program!”val process is unique in comparison to the average lender's pre-approval process.
  • American Heritage Lending
  • 485 E 17th Street, Suite 220, Costa Mesa, CA, 92627
  • American Heritage Lending is a retail mortgage company headquartered in Costa Mesa, CA. Established in 2004, American Heritage Lending was founded to be a company set apart from an already impacted market. Licensed in multiple states across the US, the premise of our company evolved into the pinnacle for our success.
  • Jewelry-N-Loan
  • 1872 Newport Blvd., Costa Mesa, CA, 92627
  • Jewelry-N-Loan is a one-of-a-kind, family-owned jewelry store and pawnshop located in Costa Mesa, California. We pride ourselves on being the leading resource in Orange County for purchasing, selling, trading, and lending against fine watches, gold, coins, diamonds, and jewelry. Our history starts with our family that has been proudly serving the p
  • Coast Jewelry & Loan
  • 1836 Newport Blvd, Costa Mesa, CA, 92627
  • Our business is the oldest Collateral Brokerage in Orange County and is still family owned, operated and running! Not many business operations can say they have done so for almost 70 years and still stay under the same ownership. Orginally located in Santa Ana, our business moved in 1995.
  • Fund USA Corp.
  • 2183 Fairview Road, Unit 217-D, Costa Mesa, CA, 92627
  • 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.
  • Integr8tive Solutions Inc
  • 2388 Santa Ana, Costa Mesa, CA, 92627
  • 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.