USDA Vs. FHA Pro and Con comparison in Rocklin, Placer County, CA

In 2025, USDA loan limit in Rocklin, county of Placer, CA is $540,000 while FHA limit is $763,600 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Rocklin, county of Placer, CA

Loan Type Loan Limit Down payment
USDA $540,000 0%
FHA $763,600 3.5%
Conventional Conforming $763,600 3%

USDA and FHA loan options in Rocklin, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • PHEPLE Federal Credit Union
  • 2900 Seminary Drive, Building G, Greensburg, PA, 15601
  • On September 24, 2018, Westmoreland Community Federal Credit Union changed its name to Pheple Federal Credit Union. People Helping People. That is what this credit union was about, is about, and will always be about. You are what matters. The people working inside of Pheple are just like those outside. Life happens to all of us.
  • Hempfield Area Federal Credit Union
  • 151 Bus Garage Road, Greensburg, PA, 15601
  • Hempfield Area Federal Credit Union. Although our services are similar to a bank, we are a non-profit financial institution operating strictly for the benefit of our members. We strive to provide our members with higher yields on savings and lower rates on loans. Founded in 1959, our goal is to help each and every member attain a strong.
  • FirstEnergy Choice Federal Credit Union
  • 161 Old Route 30, Suite 2, Greensburg, PA, 15601
  • FirstEnergy Choice Federal Credit Union was chartered in 1935 and is a full-service, member owned, not-for-profit financial services organization dedicated to serving its membership. and also FirstEnergy Choice Federal Credit Union to coincide with our updated charter which offers membership to family members of existing members.
  • WESTMORELAND HOME MORTGAGE, LLC
  • 432 Frye Farm Rd, Greensburg, PA, 15601
  • At Westmoreland Home Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options
  • Seneca Nation of Indians Federal Credit Union
  • 12837 Route 438, Irving, NY, 14081
  • The Seneca Nation of Indians Federal Credit Union (SNIFCU) is a non-profit, member-owned cooperative financial institution. The Seneca Nation of Indians Federal Credit Union’s (SNIFCU) mission is to provide financial services to our members by designing our products and services to meet their needs.
  • Lake Shore Federal Credit Union
  • 8766 Erie Road, Angola, NY, 14006
  • The Lake Shore FCU was chartered in 1967. It is a not for profit financial institution owned and controlled by the members and is operated for your benefit through a Board of Directors elected by the membership. The Board of Directors is the policy making and governing body of the Credit Union
  • CS Credit Union
  • 6519 CommScope Road, Catawba, NC, 28609
  • CS Credit Union was initially chartered in 1986 as MA/-COM Employees Credit Union, a spin-off from two previous credit unions, Siecor Credit Union & Superior Cable Credit Union. MA/-COM was established as the credit union for employees of family members of the forerunner of the present-day Select Employee Group, CommScope, Inc. of North Carolina.
  • First Federal Savings and Loan Association of Valdosta
  • 411 N Patterson St, Valdosta, GA, 31601
  • First Federal was founded in 1934 by a group of businessmen who had a vision for thrift and homeownership in Valdosta/Lowndes County. Since that time, First Federal has grown and flourished along with this area. It is our goal to keep the original vision as our theme and mission for the future.
  • Valdosta Teachers' Federal Credit Union
  • 102 E. Force Street, Valdosta, GA, 31601
  • The Valdosta Teachers' Federal Credit Union was organized in 1958. The first Board of Directors were: Fredeva Ogletree, President; A.W. Basemore, Vice-President; Nan Allen, Treasurer; Walter Harrison, Secretary. Other Directors included: Ms. Willie Dewberry, Hadley McDuffie and Clara Stipe.
  • Locoga Federal Credit Union
  • 1592 Norman Dr, Valdosta, GA, 31601
  • Locoga Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder - or an owner - of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.
  • Georgia Power Valdosta Federal Credit Union
  • 1707 Dow St, Valdosta, GA, 31601
  • Georgia Power Valdosta Federal Credit Union was granted a federal charter in March 1958 to serve the financial needs of the Georgia Power Company employees and their families across the southern tier of the state. It remained a single sponsored occupationally bonded credit union until 1995.