USDA and FHA Pro and Con in Pine-Hills, Humboldt County, CA

In 2026, the USDA loan cap in Pine-Hills, within Humboldt county, CA is set at $343,200, whereas the FHA cap for a single-family home is $356,500.

Utilize the Lendersa® USDA loan calculator for comparing the top rates of USDA against FHA loans today. Determine necessary income, credit, reserves, and documentation to qualify. Through our advanced mortgage calculator, view USDA, FHA, Conforming, and VA options side by side, aiding you in identifying the most suitable program for your financial needs in .

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2026 Loan Limits and Downpayment Requirements in Pine-Hills, Humboldt, CA

Loan Type Loan Limit Down Payment
USDA $343,200 0%
FHA $356,500 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Choices in Pine-Hills, CA

The primary goal of Lendersa® is to connect you quickly with the best USDA or FHA loans available. Choose one of three pathways to match with lenders offering USDA loan programs.

Lendersa USDA loan request and matching results

Explaining the USDA Loan in CA

A USDA home loan, guaranteed by the government through the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment at all.

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



  • F&T Mortgage Inc
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  • F&T Mortgage We treat you right and give you the individual service you deserve. We know you're making a commitment in buying a house, refinancing, or cashing out your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • D&H Lending, Inc.
  • 13355 Noel Road, Suite 1675, Dallas, TX, 75240
  • D&H Lending, Inc We want you to understand exactly who we are and what we can offer before you invest one minute or one dollar with our home loan process. Shopping for a home loan with multiple companies can be extremely overwhelming and difficult. And most companies cannot tell you what they can offer without running a full loan application.
  • Texas Financial Resource Management Inc
  • 13601 Preston Road, Suite E102, Dallas, TX, 75240
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  • Southwest Funding LP
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  • Southwest Funding began operations in 1993 under the name Dallas Residential Mortgage. We enjoyed great success early on and before long we were serving the entire state of Texas. This growth caused us to change our name to Texas Residential Mortgage. As we continued to grow and thrive in the industry.
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  • Grandview Bank is Johnson County's oldest locally owned bank serving you since 1890. Founded in 1890, Grandview Bank is the fourth oldest state-chartered bank in Texas. Our full service banking offices are located in Grandview, Cleburne and Alvarado. We are the only bank in Johnson County with locally-based ownership.
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  • American Mortgage Advisers, Inc team of professionals is eager to help you with this big financial decision. We will treat you right and give you the personal service you deserve. We know you're making a commitment in buying a house, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify.
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  • Pony Express Bank operates in two eras. Our banking accounts, products, and online services are cutting edge. But when it comes to customer service, we tend to be old-fashioned. We deal with our customers individually, treating people like people, not numbers. Our customers are our neighbors, after all.