FHA Vs. USDA loan program for Salinas, Monterey County, California

As of 2025, 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

(307) 761-0707 Lender's profile and map Reviews COLONIAL SAVINGS, F.A. 2020 Grand Ave, Suite 100, Laramie, WY, 82070 Colonial is a national provider of banking, home loans and insurance. Founded in 1952, the company has $1 Billion in assets and is privately held by choice to ensure our focus remains on our customers and not the expectations of Wall Street. Colonial is rated “Five Stars – Highly Recommended” as one of the strongest financial institutions
(406) 761-8300 Lender's profile and map Reviews 1st Liberty Federal Credit Union 6200 3rd Avenue North, Great Falls, MT, 59405 1st Liberty Federal Credit Union was founded by Robert "Scotty" Scott and the co-founders: William Dawson, Joel Taylor, Morgan Moyer, Billie Brankovich, Ehud Markel, Kenneth Platt, and M.B. Holt. In June 1955 your credit union was chartered as Great Falls Air Force Base Federal Credit Union.
(303) 243-3918 Lender's profile and map Reviews Crowder Mortgage Inc 104 Bohn Court, Lyons, CO, 80540 Crowder Mortgage was established in 1984 to serve the needs of our neighbors in the Boulder area. Changing with the times is always a requirement in our business. Our customers can now work with us from all over the state of Colorado via the internet, phone, fax and email. Nearly all of our business comes from referrals from customers
(303) 449-4007 Lender's profile and map Reviews LoanStars Mortgage Company 1200 Lonestar Road, Lyons, CO, 80540 At LoanStars Mortgage you will find the lowest most competitive interest rates in the industry, always processed promptly with the utmost honesty, integrity and professionalism. I understand that your loan is of the utmost importance to you and take the time that is needed to make you comfortable
(303) 674-2700 Lender's profile and map Reviews Evergreen National Bank 28145 Highway 74, Evergreen, CO, 80437 Evergreen National Bank is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
(406) 932-5311 Lender's profile and map Reviews Citizens Bank & Trust Company 32 Central Avenue North, Harlowton, MT, 59036 The history of our bank traces back to the first financial institution in Big Timber. In 1890 William Shanks and Thomas Lee placed some private funds in an office safe and for a while did a loan business. The following year Shanks helped organize and became Vice President of Big Timber National Bank.
3034193147 Lender's profile and map Reviews Newrepublicfunding.com 1942 Broadway St, Boulder, CO, 80302 Our lending portfolio is diverse, and we specialize in various lending programs, including multifamily value-add construction lending, ground-up construction for residential, quick and competitive loan programs, condominium development loans, commercial construction with land acquisition, residential construction and rehab, appraisal order options
(303) 530-4999 Lender's profile and map Reviews Flatirons Bank 1095 Canyon Boulevard, Suite 100, Boulder, CO, 80302 Flatirons Bank was created to provide a true community bank to Boulder County, focused on doing what is right for businesses in our community. Flatirons Bank is a full-service, locally-owned independent bank dedicated to serving the needs of Boulder County. We offer a wide range of personalized banking services to meet the needs of our persona
(303) 444-9003 Lender's profile and map Reviews Shambhala Credit Union 1345 Spruce Street, Lower Level, Boulder, CO, 80302 Shambhala Credit Union is a state-chartered financial institution whose depositors enjoy a federally-backed guarantee by the NCUA up to $250,000 per member account. We use our depositors’ money to make loans to members for everything from mortgages, car loans, mobile home loans, business purpose loans, and personal loans.
(888) 241-0468 Lender's profile and map Reviews Reverse Mortgage Leads 1434 Spruce St, Boulder, CO, 80302 Our mission is to supply our Clients with high-intent, real-time leads that are interested, qualified prospects, that have the intent to buy your product/service. They all want a quote and it’s easy for you to close the deal! We are a family owned and operated business with with offices in Colorado, Georgia and Florida.
(720) 738-8883 Lender's profile and map Reviews React Mortgage 1495 Canyon Blvd, 1st Floor, Boulder, CO, 80302 Our mission is to help people achieve the American dream of homeownership. We work with you not only to find you the best solutions for your situation, but we educate you every step of the way. Our cutting-edge technology allows us to offer 100% remote services with the same human touch you’ve come to expect from an in-person experience.