USDA Loan Vs. FHA loan for Salinas, CA [Monterey County Rates 2023]

In 2025, USDA loan limit in Salinas, county of Monterey, CA is $683,500 while FHA limit is $915,400 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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USDA and FHA loan options in Salinas, 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.

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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.

(877) 594-8400 2076 miles Lender's profile and map Reviews Younited Mortgage LLC 8641 Hall Road, Suite 4, Utica, MI, 48317 Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(800) 674-5322 2076 miles Lender's profile and map Reviews Fieldstone 1st Mortgage 8344 Hall Rd, Suite 215, Utica, MI, 48317 Fieldstone 1st Mortgage was grown out of the idea that there needed to be a fundamental change in the way mortgage transactions were done. In a time where phone calls were left unanswered, text messages left unnoticed, and emails left unread, we sought to make sure that client service always remained our number one priority.
(586) 276-3000 2076 miles Lender's profile and map Reviews Extra Credit Union 6611 Chicago Road, Warren, MI, 48092 Extra Credit Union is a Federally Insured State Chartered Credit Union with assets of some $322 million and nearly 20, 000 members. We were founded by a small group of educators in 1954. and also At Extra Credit Union, you'll find more than innovative financial products and banking services tailored to your life, needs and financial goals.
(248) 340-9310 2076 miles Lender's profile and map Reviews Cornerstone Community Financial Credit Union 44911 Mound Rd, Sterling Heights, MI, 48314 Cornerstone Community Financial is a progressive full-service financial institution still owned and operated by its members. To help members reach their personal financial goals, the credit union offers financial products and services ranging from share certificates to Visa® credit cards to online banking.
(586) 799-0000 2076 miles Lender's profile and map Reviews Mortgage 1 43456 Mound Rd., Sterling Heights, MI, 48314 Mortgage 1 is dedicated to providing a world-class team with innovative tools to better serve our customers. Our mission is to deliver unique financing options tailored to each individual’s situation. Family is the foundation of Mortgage 1 and providing exceptional service to lifelong customers is our goal.
(586) 254-8435 2076 miles Lender's profile and map Reviews R-B Financial/Mortgages, Inc. 44028 Mound Rd, Suite 3, Sterling Heights, MI, 48314 R-B Financial/Mortgages, Inc was established in 1992. A lot about the mortgage industry has changed over that time. However, our core principles established 30 years ago still remain the same today. Honesty. Integrity. Accountability.Founded by Ralph Buccinno, R-B Financial/Mortgages, Inc.
(586) 756-3300 2076 miles Lender's profile and map Reviews Ukrainian Selfreliance Michigan Federal Credit Union 26791 Ryan Road, Warren, MI, 48091 USMFCU has been serving its communities since 1952 and has never stopped putting its members first. Throughout our operation we’ve been committed to bringing great financial services to our members while never sacrificing genuine care and interaction. On top of offering great rates, deals, and services
(313) 942-1660 2076 miles Lender's profile and map Reviews Midtown Home Mortgage LLC 4221 Cass Avenue, Apartment 600, Detroit, MI, 48201 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to ensure each borrower becomes educated on the mortgage process and never feels left in the dark. Midtown Home Mortgage researches the best products on the market to provide our client’s the best deal possible
(586) 992-1250 2076 miles Lender's profile and map Reviews PLB LENDING, LLC 58069 Van Dyke Rd., Washington, MI, 48094 PLB Lending, LLC was opened by Patricia Bidus in 2001 in Washington Township, Michigan. The main goal of the company is to assist our community with all of its mortgage needs. As a full service mortgage broker, we have always put our clients first. Going the extra mile to make sure they always receive the lowest rates and costs.
(404) 816-4700 2077 miles Lender's profile and map Reviews HBS Mortgage, LLC 8228 River Pointe Overlook, Winston, GA, 30187 For more than 10 years, we have assembled a dedicated team of mortgage professionals with considerable experience in client relations and the lending industry. Naomi Hutchison, CEO of HBS Mortgage LLC, stands out as a leader in the mortgage industry with nearly 22 years of experience.
(419) 334-4434 2077 miles Lender's profile and map Reviews Fremont Federal Credit Union 315 Croghan Street, Fremont, OH, 43420 The Fremont Federal Credit Union's purpose is to provide our members with the best service while offering a full range of financial services at a fair and reasonable cost. Credit Union business will be carried out in a professional image of honesty, integrity, and confidentiality at all times.