USDA and FHA Pro and Con in Petaluma, Sonoma County, CA
For the year 2026, the USDA loan limit in Petaluma, within Sonoma County, CA, reaches $763,200, while the FHA limit for a single-family residence is $861,350.
Utilize the Lendersa® USDA loan calculator to compare the best rates available today for USDA and FHA loans, assessing the required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loan options, aiding your decision on which program in is optimal for your financial situation.
2026 Loan Limits and Downpayment Requirements in Petaluma, Sonoma, CA
Loan Type
Loan Limit
Down Payment
USDA
$763,200
0%
FHA
$861,350
3.5%
Conventional Conforming
$861,350
3%
Exploring USDA and FHA Loan Options in Petaluma, CA
The goal of Lendersa® is to help you secure the best available USDA or FHA loan efficiently and without hassle. Choose from three starting strategies to find matching lenders and explore USDA loan programs.
A USDA home loan is a government-backed loan by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, intended for use in rural areas only. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans require no down payment.
Knoxville Law Enforcement Federal Credit Union is a member-owned, not-for-profit financial services cooperative. Our mission is to effectively and efficiently operate as a financial cooperative; to promote participation by all those within the defined membership; to encourage savings and provide competitive credit.
Kingston National Bank defines itself as “A Real Community Bank, Really Serving Communities”, a motto that was established when Phil Dunlap and his associates founded the Bank back in 1909. The tradition of providing customers with excellent banking products and superior customer service still prevails.
One Source Mortgage in pursuit of the lowest rates and best service for his clients and Henry is also certified as a Loan Origination Pre-Licensing Trainer and currently teaches the NMLS 20-hour course which is required for new loan originators in the United States. This experience has awarded Henry a vast knowledge.
1600 Kennesaw Due West Rd NW, Suite 610, Kennesaw, GA, 30152
Direct Lenders, LLC is a locally owned, but nationally known mortgage lending company located in Kennesaw, Georgia. The company was started in 2011 when CEO, Randy Bristol and President, Kevin Bonds turned their lives work into their dream of owning a successful and honest company.
6478 Putnam Ford Dr, Suite 206, Woodstock, GA, 30189
We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
First Mortgage Group, LLC (FMG) was established in 1996 to assist people in achieving their housing dreams; as such, FMG specializes in FHA, VA, Conventional and Jumbo loans. Bob Hester, President, formed FMG with the following objectives as his guide: Quality, Experience, Integrity and Service.
Community Bank of Pickens County opened for business in 2000. The bank originally opened in a modular unit while a 10,000 square foot facility was being constructed at the corner of Highway 53 and Sammy McGhee Boulevard. Community Bank of Pickens County is the only locally owned bank in Jasper Georgia area.
The Hometrust Mortgage team is committed to providing each client with the highest quality service accompanied with the lowest mortgage interest rates available. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, consolidating debt, or you are a real estate investor.
We built our mortgage business from the ground-up, consistently surpassing customer and agents expectations with clear and reliable communication and our "No Bureaucracy" approach to the mortgage process. Our team is local, friendly, and nimble, and we have more than a decade of experience crafting custom, structured loans.
