USDA and FHA Pro and Con in Patterson, Stanislaus County, CA
As of 2026, the USDA loan ceiling in Patterson, located in the county of Stanislaus, CA, is set at $412,000, while the limit for FHA loans is $517,500 when purchasing a single-family residence.
Employ the Lendersa® USDA loan calculator to evaluate current USDA versus FHA offering rates and determine the necessary income, credit prerequisites, financial reserves, and documentation required for qualification. By utilizing our sophisticated mortgage calculators, you can conveniently compare USDA, FHA, Conforming, and VA options side by side, aiding in deciding the optimal program for your unique financial scenario in Patterson, CA.
2026 Loan Ceilings and Downpayment Specifications in Patterson, Stanislaus, CA
Type of Loan
Ceiling
Initial Payment
USDA
$412,000
Zero%
FHA
$517,500
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Patterson, CA
Lendersa® aims to swiftly provide you with the most suitable USDA or FHA loan without unnecessary complications. Begin with one of three pathways to connect with lenders and USDA loan programs.
USDA home loans, also referred to as USDA mortgages or USDA rural development loans, are backed by the governmental Department of Agriculture and are solely accessible in rural areas. In contrast to FHA loans, which mandate a minimum 3.5% down payment, USDA loans require no initial payment.
11380 Southbridge Parkway, Suite 227, Alpharetta, GA, 30022
Damian Warwick is a Mortgage Banker with over 24 years of experience in the financial services and mortgage industries. His financial experience includes running his own mortgage company and managing large financial institutions/banks, as well as midsize corporations. He prides himself in providing excellent customer service for his clients
Five Star Credit Union wants you to succeed. We partner with you to help you fulfill your financial goals. Checking is always free along with our debit card, mobile app, bill pay, free fraud text alerts, and the free Five Star Digital Wallet. Credit Union wants you to succeed. We partner with you to help you fulfill your financial goals.
5755 N Point Pkwy, Suite 58, Alpharetta, GA, 30022
Crushing rates and beating other lender's turn times with personalized attention to detail to make the mortgage process as stress-free and quick as possible. Quick closings for both purchases and refinances. Loan products: Conventional, FHA, VA, USDA, Non-traditional recent foreclosure/bankruptcy
555 North Point Center East, 4th Floor, Office 479, Alpharetta, GA, 30022
Sanctuary Home Mortgage, a private, boutique mortgage firm local to Metro Atlanta, was founded in unique collaboration and strong partnership with Atlanta Fine Homes Sotheby’s International Realty. Our high-caliber mortgage professionals are trusted, award-winning individuals with 75 years of combined mortgage experience.
Touchmark National Bank provides our clients with superior experiences by combining innovative products with industry leading client service.Our professional associates are in the business of presenting our clients with an unsurpassed banking experience. While working to generate superior long term value and a pride of ownership.
4080 McGinnis Ferry Rd, Unit 1308, Alpharetta, GA, 30005
SLR Mortgage Inc 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.
6495 Shiloh Road, Suite 410, Alpharetta, GA, 30005
Sean at Anchor Home Mortgage went above and beyond. After being given the run around then bait and switch at a Local Traditional Large Bank, I came to Sean with two requests, one ask for all documents up front and center and two - close in 15 to 21 days. Sean achieved close in 15 days and additionally got me an even better interest rate .
We’re here to help you secure a loan that sets you up for a successful financial future. Simple as that. The Mortgage Brothers will work with you every step of the way as you search for the right mortgage to find the best rates possible, whether you’re buying your first home or searching for your next investment.
