USDA VS FHA in Reedley, Fresno County, CA

In the year 2025, the USDA loan limit for Reedley in Fresno county, CA, is $405,000. Meanwhile, the FHA limit for a single-family home stands at $472,030, offering different financial thresholds for borrowers.

To evaluate today's leading USDA versus FHA rates, leverage the Lendersa® USDA loan calculator. Determine the necessary income, credit score, reserves, and required documents for qualification. Utilize our advanced mortgage calculator to assess USDA, FHA, Conforming, and VA loans side by side, ensuring you choose the most suitable program in for your financial needs.

Compare loan offers from a range of 100 lenders

2025 Loan Limits and Downpayment Requirements in Reedley, Fresno, CA

Loan Type Loan Limit Down Payment
USDA $405,000 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Reedley, CA

The central mission of Lendersa® is to swiftly provide you with the most favorable USDA or FHA loan without inconvenience. Opt for one of three initial strategies to effectively link with matching lenders and suited USDA loan programs.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in CA

A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is exclusively applicable in rural neighborhoods. In contrast to FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment, offering an attractive financing alternative.

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



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