USDA Vs. FHA your options comparison in Rancho-Calaveras, Calaveras County, CA

In 2025, the USDA loan limit for Rancho-Calaveras in Calaveras, CA, stands at $392,900, while the FHA limit for a single-family home is $373,750.

Apply the Lendersa® USDA loan calculator for comparing today's optimal USDA and FHA rates. Assess the income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding you in deciding which program in states like Alabama suits your financial context best.

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Loan limits and down payment requirements for 2025 in Rancho-Calaveras, Calaveras, CA

Loan Type Loan Limit Down Payment
USDA $392,900 0%
FHA $373,750 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA loan options in Rancho-Calaveras, CA

Lendersa®'s mission is to secure you the best USDA or FHA loan quickly and with ease. Choose one of three starting options that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and match outcomes

Understanding USDA Loans in CA

The USDA home loan, funded by the government's Department of Agriculture—commonly known as a USDA rural development loan or USDA mortgage—is exclusively for 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?



  • The O.C. Mortgage Specialist
  • 600 W. Santa Ana Blvd. STE 114A, Santa Ana, CA, 92701
  • Welcome To The O.C. Mortgage Specialist with broker access to 60+ mortgage lenders. Our proprietary loan placement software matches your mortgage application with lenders having the lowest interest rate and closing costs. Rest assured knowing you're getting the very best loan scenario and mortgage broker pricing.
  • Cross Mortgage Inc
  • 1633 E 4th Street, 224, Santa Ana, CA, 92701
  • At Cross Mortgage we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
  • Comunidad Latina Federal Credit Union
  • 1317 W Warner Ave, Santa Ana, CA, 92704
  • Comunidad Latina Federal Credit Union (CLFCU) is a not-for-profit financial institution serving the community of Santa Ana, California. To qualify for membership you may live, work, worship or attend school in the city of Santa Ana or through an immediate family member that is currently a member.
  • JWK & Associates
  • 355 N Sheridan Street, Suite 115, Corona, CA, 92878
  • "JWK & ASSOCIATES is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Whether 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,"
  • Inland Home Mortgage Corporation
  • 1003 east cooley Drive, Suite 202, Colton, CA, 92324
  • Licensed in 1998 we have help many buyers and sellers with their goals of selling, purchasing or leasing a property. I hold a brokers license since 2003. We are helping the community to buy a home or sale one. We help refinance lower payments, interest rates and years. free information on all programs
  • PRMG Mortgage
  • 1265 Corona Pointe Court, Suite 301, Corona, CA, 92879
  • 16 year of mortgage experience. I'll return your call, respond to your emails, answer my phone and answer all your questions. If I don't have the answer right away, I'll find it and get back to you quickly. Call me to discuss any residential mortgage needs you may have for FHA, VA, USDA or Conventional loans for single or multi-unit properties.
  • Active Lending Group
  • 98 E. Grand Blvd, Corona, CA, 92879
  • Tiffany Nyiri was born breathing real estate. Her family has operated a successful real estate and mortgage lending company in Southern California since 1969 and she has personally been servicing her clients as a loan officer since 1997. As a mortgage broker, Tiffany brings a wealth of experience, knowledge, and resources to the table.
  • American Inland Realty
  • 400 North Princeland Court, Suite 2-3, Corona, CA, 92879
  • American Inland Realty specializing in mortgage loan servicing. American Inland Realty Provide a superior level of customer relations and service, and ensure compliance. Maintain quality control to ensure all loans run smoothly and efficiently. American Inland Realty Established in 2009.