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

In 2024, USDA loan limit in Roseville, 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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2024 loan limits and downpayment requirments in Roseville, 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 Roseville, 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?



  • One Choice Lending Group LLC
  • 80 Grace Drive, Shawnee Hills, OH, 43065
  • We are one of the most resourceful and dedicated team of hard money and fix & flip investment property mortgage professionals in the industry. We are a client-driven commercial real estate finance firm serving borrowers of real estate capital. We offer all types of debt and equity financing for income producing properties.
  • Fidelity Federal Savings and Loan Association of Delaware
  • 60 North Sandusky St, Delaware, OH, 43015
  • Fidelity Federal we offer personal loan service from origination to payoff. All loans closed locally! Our loan officers originate, underwrite and close your loan. Your conventional loan is then serviced by us until paid in full. You’ll never have to talk to a phone center about your home loan concerns.
  • The First National Bank of Bellevue
  • 120 North Street, Bellevue, OH, 44811
  • First National Bank has been providing financial services to its local market area since 1875 & is based in Bellevue, Ohio. We believe that by banking locally with your Community Bank, you can make a difference in the lives of your neighbors & the future of your Community. Enjoy the benefits of a Community Bank including superior customer service.
  • Firelands Federal Credit Union
  • 300 North Street, Bellevue, OH, 44811
  • Firelands Federal Credit Union had its humble beginnings at the railroad in 1955, when seven Nickel Plate employees joined together to form a financial savings club. Each of them put in $5-$10 and they applied for a charter from the federal government. Chartered in 1957, Firelands Federal Credit Union presently serves over 35,000 members.
  • Central Ohio Mortgage
  • 2057 Stringtown Rd, Grove City, OH, 43123
  • At Central Ohio Mortgage, our approach to mortgage lending is quite different from our competition. It is important to us that our customers are educated on all aspects of the loan and the loan process. We do this in a relaxed, stress-free environment, and we do it according to your schedule.
  • The Justus Sharp Team of NFM Lending
  • 4084 Gantz Rd, Grove City, OH, 43123
  • Justus Sharp has over 19 years of mortgage experience having worked for Finance of America, Wells Fargo, Household Mortgage, Chase Home Finance, Fifth Third Bank, and First Federal Lakewood. For three consecutive years (2008-2010), at Fifth Third Bank, he was recognized in the “Top 3” for all the Loan Officers in the Columbus, Ohio
  • Southpoint Financial Services
  • 8143 Navarre Pkwy, Navarre, FL, 32566
  • "SouthPoint Financial Services is a full service, Georgia based, mortgage lender which offers government backed loans and conventional loans. We can help you buy your first home or refinance your existing home, vacation home, or investment property. We've also expanded to twelve states to better service clients around the country"
  • Eagle Home Loans LLC
  • 2165 Castle Grove Drive, Navarre, FL, 32566
  • Eagle Home Loans is 100% veteran owned and operated. We pride ourselves on being in touch with the needs of the local community and providing affordable housing options to the town of Clarksville as well as the citizens of the state of Tennessee. Eagle Home Loans specializes in Veterans Affair (VA) Mortgages which allow active duty military
  • A & A Mortgage
  • 3419 Brook Crossing Drive Suite #108, Navarre, FL, 32566
  • A & A Mortgage was first established in the Tampa / Brandon Area in February of 2000, off Oakfield Drive. In January of 2008, we moved into our beautiful new building on the corner of Bloomingdale Avenue and Bell Shoals Avenue in Valrico, Florida. We are conveniently located in the Plaza Bella Center.