USDA Loan Vs. FHA loan for Santa-Rosa, CA [Sonoma County ]

In 2025, USDA loan limit in Santa-Rosa, county of Sonoma, CA is $763,200 while FHA limit is $707,250 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 Santa-Rosa, 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.

(707) 259-5272 Lender's profile and map Reviews Mortgage Solutions, Inc 1775 Lincoln Avenue, Napa, CA, 94558 At Mortgage Solutions, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(707) 226-7550 Lender's profile and map Reviews Napa Valley Lending 5230 Country Lane, Napa, CA, 94558 Our company is based on the belief that our customers’ needs are of the utmost importance. Our entire team is committed to meeting those needs. As a result, a high percentage of our business is from repeat customers and referrals.We would welcome the opportunity to earn your trust & deliver you the best service in the industry, honestly, ethically.
(415) 516-9600 Lender's profile and map Reviews Icon Capital Group, Inc. 3449 Crestview Way, Napa, CA, 94558 Icon Capital has built its mortgage practice based on planning with the lowest cost loan strategy over time. Utilizing competitive rates and loan products that can easily be managed and interwove into your overall short and long term financial goals to maximize wealth creation, cash flow and cost.
(707) 332-8352 Lender's profile and map Reviews Shamrock Mortgage Solutions 1832 Soscol Ave, Suite 111, Napa, CA, 94559 17 years of Real Estate experience, second generation - Residential & Commercial My goal is to provide clarity, professionalism and success to my clients during the most important financial transactions of their life. I provide the financing to suit the current need and the ability to see the big picture
(707) 265-9006 Lender's profile and map Reviews Del Sur Mortgage 1001 2nd St, Suite 295, Napa, CA, 94559 Del Sur Mortgage is committed to providing our clients with the highest quality home loans in California. Whether you are a first time home buyer, purchasing your dream home or refinancing an outstanding loan, our highly experienced team of mortgage lenders can help make your dreams come true.
(415) 448-5455 Lender's profile and map Reviews Beryl Business Solutions, Inc 1040 3rd Street, Napa, CA, 94559 Financial Planning Bookkeeping Tax Planning Estate Planning Insurances Investments Real Estate Financing Real Estate Consulting Loan Modifications/Short Sales Business Formations Business Law Mortgages . The vision that ultimately became Beryl Business Solutions was born out of the frustration that Beryl Slavov, JD.
(707) 252-2700 Lender's profile and map Reviews Custom Lending Group 1700 Soscol Avenue, Suite 22, Napa, CA, 94559 "We are mortgage lenders that have been in the Napa area for 28 years and are true mortgage brokers. This means that unlike bankers who follow the specific product guidelines of one entity, we are able to work with many different investor lenders on your behalf which allows us to match your needs with the perfect lender and most desirable rate."
(415) 209-9500 Lender's profile and map Reviews Varris Inc. 1450 Grant Avenue, Suite 204, Novato, CA, 94945 VARRIS Mortgage Solutions is a unique company that partners with credit unions and other lenders to offer flexible programs and low rates. We serve local communities in Northern California and have a very large client base in Southern California as well.We are highly experienced qualifying all types of applicants, from traditional to self-employed.
(800) 413-0240 Lender's profile and map Reviews NonQMHomeLoans.com 7250 Redwood Drive, Suite 300, Novato, CA, 94945 NonQMHomeLoans.com is a full-service marketing agency providing the broad spectrum of Conventional & Non-QM Mortgage products.Our knowledgeable team of experts will constantly impress with the first-class service never before experienced in the industry.NonQMHomeLoans.com, our core strengths are the personal touches and unique products we deliver.
(415) 793-3403 Lender's profile and map Reviews Private Funds Direct 1555 Grant Avenue, Novato, CA, 94945 Kevin Green and Pacific Private Money specialize in supporting funding for real estate investors and borrowers throughout California. I am dedicated to providing fast, friendly, reliable, and no-nonsense service. Pacific Private Money is a member of both the California Mortgage Association and the American Association of Private Lenders.
707 665 3697 Lender's profile and map Reviews Dryden Capital Inc. 1202 Grant Ave. B-1, NOVATO, CA, 94945 Dryden Capital provides Borrowers with fast creative solutions to their financing needs. We are local to the Bay Area but lend throughout California. We make all type of investment loans including Investment properties, Multifamily, Commercial, Rehab, Mixed Use and Construction Loans.
415-883-2150 Lender's profile and map Reviews Pacific Private Money 1555 Grant Avenue, Novato, CA, 94945 In 2008, we identified a need in underserved capital markets left behind in the wake of the financial crisis. Since then, we have grown quickly by serving the expanding market of borrowers who are unable to secure conventional financing, and by specializing in short-term, fast-funding situations.