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

000-000-0000 Lender's profile and map Reviews Superior Rate Mortgage Of New England, LLC 30 Trinity Street, Hartford, CT, 06106 Superior Rate Mortgage Of New England, 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 & your family from the many mortgage options
(860) 522-0899 Lender's profile and map Reviews Police Credit Union of CT 253 High Street, Hartford, CT, 06103 We do what banks do, but with better rates & lower fees. Open to ALL Law enforcement in the State of Connecticut. Skilled employees giving great services. We hope to become a statewide police credit union, serving all law enforcement in the state.All police departments are invited to partner with us as to provide police-oriented financial services.
(877) 893-2274 Lender's profile and map Reviews General Merchant Funding 150 Trumbull Street, 4th Floor, Hartford, CT, 06103 General Merchant Funding was established with the mission of offering small businesses access to fairly priced funding options. GMF is the best solution for small businesses unable to qualify for traditional funding. By assessing your business' monthly cash flow, GMF enables you to use the strength of your cash flow to manage demands for capital.
(860) 306-1666 Lender's profile and map Reviews Sojourn Mortgage Company, LLC 15 Lewis Street, Suite 402, Hartford, CT, 06103 Sojourn Mortgage Company. We work closely with home buyers throughout the lending process. Sojourn Mortgage Company LLC Founder Paula Mercier explains, “The goal of Sojourn Mortgage is to deliver such high-quality service that clients will want to recommended us to their friends and family.
(800) 300-7780 Lender's profile and map Reviews Home America Lending Corp. 20 Oak Street, Patchogue, NY, 11772 MCS Mortgage Bankers is a mortgage bank with operations in twenty-six states. MCS Mortgage Bankers offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, FHA 203(k), VA, USDA and reverse mortgages. MCS Mortgage Bankers is a FREEandCLEAR Certified Bronze Low Rate Lender.
(631) 447-6533 Lender's profile and map Reviews Asean Capital 116 E Main St, Suite C, Patchogue, NY, 11772 ASEAN CAPITAL, INC. was started in 1998 by Dula Amarasinghe, a 30 year veteran of International Banking Industry. During his tenure with Manufacturers Hanover Trust Company, now JP Morgan Chase Bank, he was the Team Leader handling the business of Sri Lanka, Thailand, Philippines, Pakistan and Nepal desks.
(860) 560-9036 Lender's profile and map Reviews Metropolitan District Employees Credit Union 250 Murphy Road, Hartford, CT, 06114 The Metropolitan District Employees' Credit Union (MDECU) was founded for and by the employees of the MDC in 1955 to serve the financial needs of the MDC employees and their families. In the first quarter of 2004, the field of membership was extended as defined by the General State Statutes TO INCLUDE employees.
(860) 246-5236 Lender's profile and map Reviews Hartford Firefighters Federal Credit Union 776 Maple Avenue, Hartford, CT, 06114 We are a cooperative, a group of people who’ve joined together to develop our own organization for checking, savings, and borrowing money. Each member has one vote, and for over almost 70 years– we have offered financial opportunities to Hartford firefighters active or retired and their families.
(860) 296-4379 Lender's profile and map Reviews Franklin Trust Federal Credit Union 632 Franklin Avenue, Hartford, CT, 06114 Being a member of Franklin Trust Federal Credit Union allows you to access your banking needs any time of day, seven days a week . We offer a diverse array of traditional and online services to stay connected 24/7! Franklin Trust Federal Credit Union is now a Community-Chartered credit union.
(860) 722-8110 Lender's profile and map Reviews Cencap Federal Credit Union 443 Franklin Avenue, Hartford, CT, 06114 Cencap Federal Credit Union is the new and improved Hartford Municipal Employees Federal Credit Union. Our ideals are the same as when we started in 1950, but our vision for the future and services we offer demanded we keep up with the times. We have been working hard to help our members fulfill their hopes, dreams and become financially secure.
(888) 301-9210 Lender's profile and map Reviews Polaris Home Loans, LLC One Monarch Place, 22nd Floor, Suite 2200, Springfield, MA, 01144 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.