USDA and FHA Pro and Con in Rancho-Murieta, Sacramento County, CA

In the year 2025, the USDA loan limit for Rancho-Murieta in Sacramento county, state of CA, stands at $478,400. For a single-family home, the FHA loan cap is $598,000.

To contrast the most advantageous USDA and FHA rates for today, use the Lendersa® USDA loan calculator. It helps determine necessary qualifications such as income, credit scores, reserves, and supporting documentation. With our sophisticated mortgage calculator, you can evaluate side-by-side comparisons of USDA, FHA, Conforming, and VA options to decide which plan in Alabama best fits your financial needs and situation.

Browse loan offers from a network of 100 lenders

2025 Loan Limits and Down Payment Specifications in Rancho-Murieta, Sacramento County, CA

Loan Type Loan Limit Down Payment
USDA $478,400 0%
FHA $598,000 3.5%
Conventional Conforming $598,000 3%

USDA and FHA Lending Choices in Rancho-Murieta, CA

Lendersa® is committed to facilitating fast and seamless access to the best USDA or FHA loans. Choose from three initial approaches to align with matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is a government-backed program by the Department of Agriculture offered exclusively in rural locales. In contrast to FHA loans requiring at least a 3.5% down payment, USDA loans demand no down payment at all.

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



  • Campbell Financial Services, Inc.
  • 4181 Flat Rock Drive, Suite 250, Riverside, CA, 92505
  • Since 1989 Campbell Financial Services has continued with one purpose in mind: To meet the needs of our clientele by providing a full array of lending options in an efficient, straight-forward manner. We know you’re busy and that your time is important, and we’re committed to being your lending expert!
  • Inland Capital Finance
  • 4097 Trail Creek Road, Riverside, CA, 92505
  • Inland Capital Finance is a Southern California based Wholesale Mortgage Brokerage. At ICF we understand that you are an individual and that every individual is different. Over the years we have had many different clients with varying situations from those with excellent credit scores to those rebuilding their credit scores.
  • Printing Industries Credit Union
  • 4333 Orange Street, Suite 100, Riverside, CA, 92501
  • We are proud to be a credit union, which means we are a not-for-profit cooperative. We are owned and operated by our membership, which is predominately made up of professionals within the graphic arts industry, as well as their family members. Not only do our members have access to many of the same types of products and services as offered by comme
  • Mortgage Leads Network
  • 3615 Main Street, Suite 103, Riverside, CA, 92501
  • Mortgage Leads Network, your trusted source since 1998, is a full service digital marketing agency specializing in mortgage, credit repair and foreclosure prevention lead generation and customer retention. Consider us your in-house marketing gurus that will save you time and money with the goal of increasing sales
  • Rehab Loan Group, Inc.
  • 3585 Main Ave, Suite 208, Riverside, CA, 92501
  • We offer first time and experienced flippers access to this capital and can offer both refinance or purchase loans, with or without rehab financing. We also work with Investors that would like to acquire or refinance Rental property, Small to mid-sized and even large Apartment buildings, as well as commercial property.
  • Broker Brothers Real Estate
  • 3393 14th Street, Suite C, Riverside, CA, 92501
  • Broker Brothers Real Estate 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.
  • La Loma FCU
  • 26151 Mayberry St, Loma Linda, CA, 92354
  • Since 1955, La Loma Federal Credit Union has been proudly serving the Southeastern California Conference of Seventh-Day Adventists, Loma Linda University, Loma Linda University Health, and La Sierra University communities La Loma FCU is a credit union, which is a financial institution. Similar to other financial institutions.
  • 1st United Mortgage
  • 25612 Barton Rd, Suite 344, Loma Linda, CA, 92354
  • We help our clients buy, sell and finance real estate. We work with clients that are working on their personal residences or investment properties. Focusing on our clients needs, representing them well, getting them amazing deals, and providing the best marketing are all of the utmost importance to us.
  • Orange County’s Credit Union - St. Andrew
  • PO Box 11777, Santa Ana, CA, 92711
  • Orange County's Credit Union! Originally chartered in 1938, today the Credit Union serves more than 116, 000 Members in Orange, Los Angeles, Riverside, and San Bernardino Counties. The Credit Union reports an asset size exceeding $2 billion and employs more than 300 happy Associates.
  • Corr Real Estate
  • 12061 BRIGHTON RIVER UNIT 46, Fountain Valley, CA, 92708
  • Discover Corr Real Estate: Your all-in-one real estate partner! With over 20 years in the construction industry focusing on both commercial and residential projects, Robert Carmona provides unparalleled expertise in property sales. Allow us to guide you through every step of your real estate journey. Choose Corr Real Estate today for industry-leadi