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.

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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?



  • AgSouth Farm Credit
  • 26 S Main Street, Statesboro, GA, 30458
  • Financing for all agricultural interests, farms, rural recreational tracts, timber tracts, home lots, conventional home mortgages, home lots, home construction and rural land not intended for non-agricultural commercial use or immediate resale. Loans for Land, Farms and Homes throughout South Carolina and Georgia.
  • Simplified Mortgage Solutions, LLC
  • 3125 Hebron Drive, Suite 101, West Columbia, SC, 29169
  • SMS we pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan
  • G.A.P. Federal Credit Union
  • 111 Franklin Street, Room 224, Johnstown, PA, 15901
  • G.A.P. FCU originally started out as Cambria County U.S. Employees Federal Credit Union in 1937. They operated out of a cash box on the first floor of the Johnstown Post Office building, and was renamed to Johnstown, PA Post Office Employees Federal Credit Union in 1941. Credit unions are focused on people, not profits.
  • AmeriServ Financial Bank
  • 216 Franklin St, Johnstown, PA, 15901
  • AmeriServ Financial, Inc., A bank holding company, is the parent of AmeriServ Financial Bank®, AmeriServ Trust & Financial Services Company, and West Chester Capital Advisors. AmeriServ Financial, Inc. trades on the NASDAQ Stock Exchange under the symbol ASRV. At AmeriServ, we believe banking is about more than money.
  • Dozcon Investment Group LLC.
  • 4105 Regency Dr., Indian Trail, NC, 28079
  • Dozcon Investment Group is a premier Residential Lender for Non-Owner-Occupied Investment Properties offering transparent and stress-free Funding We offer financing solutions for fix & flip real estate investors As a Lender for Real Estate Investors we do most of the leg-work for you while you build up your Real Estate Portfolio and cash-flo
  • Pendleton Community Bank
  • 128 North Main Street, Franklin, WV, 26807
  • PCB is an independent community bank dedicated to providing products and services that facilitate financial success for our customers, encouraging professional success for our team members, and stimulating economic growth in our communities. Serving West Virginia and Virginia since 1925, PCB is Your Bank for Generations.
  • Priority First Federal Credit Union
  • 364 Midway Drive, Du Bois, PA, 15801
  • Priority First Federal Credit Union has its roots in the Brockway community, where it originated in 1969 as the Credit Union for employees of Brockway Glass, later known as Owens-Illinois. Throughout the years, Priority First was granted community charters in both Jefferson and Clearfield County, opening membership eligibility to all who live
  • Timberland Federal Credit Union
  • 821 Beaver Drive, Du Bois, PA, 15801
  • Our goal is to provide our membership with high quality service, understanding, and convenience. We hope you will use your credit union membership and discover the fantastic value and rewards of TFCU! Timberland Federal Credit Union is a not-for-profit financial cooperative, owned and operated democratically by members like you!
  • WEPCO Federal Credit Union
  • 204 North Branch Avenue, Bloomington, MD, 21523
  • WEPCO FCU will maintain the financial stability necessary to provide you with safe, convenient, & cost-effective products. We will provide the exemplary service necessary to earn the privilege of being your financial institution of choice. We will seize opportunities to grow the credit union in a prudent manner for the benefit of all we serve.
  • The Claxton Bank
  • 121 West Main Street, Claxton, GA, 30417
  • At The Claxton Bank, we've seen many changes in Evans County. But through it all, one thing has remained the same, the way we do business. Now, just as it was back then, we are committed to helping our customers manage their "todays" and find their place in tomorrow. Indeed, the more things change, the more they stay the same.