USDA and FHA Pro and Con in Patterson, Stanislaus County, CA
As of 2025, 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.
2025 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.
Classic Mortgage Corporation is a mortgage broker and lender and we opened our doors in 1994. As an independent mortgage broker, Classic Mortgage Corporation has steadily built a reputation for providing prompt, personal service and a broad array of competitive mortgage products.
Sumner Bank & Trust was organized in 2005 to fulfill a need in Sumner County for at true community bank owned by local shareholders. This large & diverse group of local owners, combined with a dedicated group of 17 organizers, provides a strong foundation for bank. We are proud to have a local board, which means decisions will always be made right.
At Tri-Star Financial Group, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly. Also, the big banks have a limited number of lending options available
The lending specialists at Cambridge Mortgage, Inc. are eager to help you secure the mortgage you need to make your home ownership dreams a reality. Since 1998, our BBB accredited team of lending professionals have helped thousands of home buyers become homeowners. Whether you need a fixed rate, adjustable rate, or balloon mortgage for your home.
The First Mortgage Group team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
1690 Beltline Road SW, Suite A, Decatur, AL, 35601
"Dream Home Mortgage is a locally owned mortgage company offering its services to customers in the entire state of Alabama. Our company helps clients secure mortgages with low rates and minimal out-of-pocket cost.
We understand the value of one-on-one support for all clients. We've dedicated ourselves to providing unmatched service at every tu
First Federal Bank loan originators are eager to help you with your home loan needs.
We listen carefully to each borrower & use our diverse mix of lending products to fit your situation.
Our loan originators are given a terrific support staff & the latest loan processing & automated underwriting technologies
Madison County Federal Credit Union received approval from the National Credit Union Association to expand its community charter to three additional counties – Delaware, Henry and Hancock. This expansion, effective immediately, opens membership and full credit union services to anyone who lives, works, worships.
