USDA Loan Vs. FHA loan for Salinas, CA [Monterey County ]

As of 2026, in Salinas, county of Monterey, CA, the USDA loan limit is $683,500 and the FHA limit for a single-family residence is $915,400.

Explore Lendersa®'s USDA loan calculator to compare today's leading USDA versus FHA rates, assessing the income, credit, reserves, and paperwork required for qualification. Our sophisticated mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the best option in for your financial objectives.

USDA and FHA Loan Alternatives in Salinas, CA

Lendersa® aims to secure the most advantageous USDA or FHA loan quickly and effortlessly. Choose one of three beginnings that match you with lenders and USDA loan offers.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

The USDA home loan is a government-secured mortgage offered by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. This loan type is exclusively available in rural neighborhoods. FHA loans require at least a 3.5% down payment, but USDA loans have no down payment requirement.

Get top 10
USDA LENDERS
customized to yout needes

(352) 726-1221 Lender's profile and map Reviews Brannen Bank 320 Hwy 41 S, Inverness, FL, 34450 Brannen Bank has been providing personalized banking service since 1926 when our founder, George H. Brannen, Sr., established the first Brannen Bank in historic Homosassa as the Bank of Homosassa. Relocated to Inverness in 1929 and renamed The Bank of Inverness Brannen Bank was the only bank in Citrus County to survive the economic crash of 1929.
(352) 560-5114 Lender's profile and map Reviews Citrus Mortgage Associates LLC 1300 Hwy. 41 North, Suite H, Inverness, FL, 34450 We are a Mortgage Broker Business located in Inverness, FL. We pride ourselves on the highest level of client satisfaction and face to face service. We are available at any time, in our office or after hours. We can be reached by phone, text or emails. We consider it a privilege to work together in providing for your mortgage needs.
(727) 531-0000 Lender's profile and map Reviews Integrity Financial Services 13129 66th Street, Largo, FL, 33773 Integrity Financial Services is a full service residential and commercial lending company. Our staff of mortgage professionals are committed to 100% customer satisfaction. We understand our clients have choices for their mortgage needs. That is why we pride ourselves in a sound consultative approach to deliver the right loan program
(727) 784-5555 Lender's profile and map Reviews DDA Mortgage Inc 11701 South Belcher Rd, Suite 101A, Largo, FL, 33773 "DDA Mortgage Brokerage NMLS# 324326 Didier Malagies NMLS# 212566 Great partner to Realtors by offer a broad array of loans and outstanding service. FHA, FNMA, FHMC, VA, Conventional, HomePath, USDA, FHA 203k, Jumbo, Foreign, Construction, and more. 34 years of experience partnering with real estate professionals"
(813) 270-5229 Lender's profile and map Reviews Anchor Bay Finanical LLC 4641 Mitchell Rd, Land O Lakes, FL, 34638 "Buying a home is one of the largest purchases you will make, trust a professional from Anchor Bay Financial, LLC. Full Service Mortgage Broker serving FL Anchor Bay Financial, LLC is a full service mortgage brokerage assisting borrowers with home purchases and refinances in the state of Florida."
(813) 501-4550 Lender's profile and map Reviews MIB Mortgage LLC 19731 Ellendale Drive, Land O Lakes, FL, 34638 Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(813) 418-6916 Lender's profile and map Reviews Equifirst Lending 7842 Land O' Lakes Blvd, Suite 105, Land O Lakes, FL, 34638 Equifirst Lending is a Florida licensed mortgage brokerage company headquartered in Land O Lakes, Florida. Our company was founded on the principle that a better lending environment is possible. Our team is focused on helping our clients looking to either purchase a property or refinance their existing property with affordable.
813-963-1256 Lender's profile and map Reviews Trans States Mortgage 19508 Shumard Oak Dr. Suite 103, Land O Lakes, FL, 34638 A full-service, brokerage with a focus on our clients based out of Tampa Bay. Our agents have 30 plus years experience in the Tampa Bay market. Creative solutions for any problems. Wide variety of conventional, jumbo, FHA, USDA and VA loans, ranging from low down payment to no mortgage insurance.
(727) 471-1330 Lender's profile and map Reviews ECU Credit Union 8250 Bryan Dairy Road, Suite 150, Largo, FL, 33777 ECU Credit Union is a not-for-profit financial cooperative. That means our members own us. No stockholders to worry about just our members/owners. Convenient services with competitive dividends and interest rates are our prime responsibilities. As a member of ECU Credit Union, your entire family is eligible to join.
(727) 804-6605 Lender's profile and map Reviews All In One Lending Inc 6933 Greenbrier Dr, Seminole, FL, 33777 All In One Lending, we believe in speed, service, and transparency. Whether you are a first-time homebuyer or an experienced real estate investor, we want to provide you the education and loan options to help you meet your specific goals. We have a passion for putting our clients’ interests first,
(352) 362-4404 Lender's profile and map Reviews Florida Mortgage 317 NE 36th Avenue, Suite 4, Ocala, FL, 34470 "We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending..."