USDA Vs. FHA Pro and Con comparison in Santa-Rosa, Sonoma County, CA

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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2025 loan limits and downpayment requirments in Santa-Rosa, county of Sonoma, CA

Loan Type Loan Limit Down payment
USDA $763,200 0%
FHA $707,250 3.5%
Conventional Conforming $707,250 3%

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.

Lendersa USDA loan request and matching results

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Friendly Federal Credit Union
  • 2000 Main Street, Aliquippa, PA, 15001
  • At Friendly Federal Credit Union, we are improving the accessibility and usability of our website for our members and potential members. Our efforts are based on the the standards for Web Content Accessibility Guidelines 2.0. It is our policy to ensure that persons with disabilities have full
  • A&S Federal Credit Union
  • 2283 Broadhead Road, Aliquippa, PA, 15001
  • The A & S Federal Credit Union was established in March of 1940 by a handful of individuals who foresaw the need for a financial institution to serve people of ordinary means. The credit union, formerly know as the A & S RR Employees Federal Credit Union, was formed with money deposited by people who worked on the Aliquippa & Southern Railroad.
  • Widget Financial
  • 2154 East Lake Road, Erie, PA, 16511
  • Widget Financial are a We're a local not-for-profit credit union that is shared by more than 44, 000 members. Instead of stockholders found in traditional banks, our members both own and democratically control our financial cooperative. Our member-owners are the heart of our business
  • Americo Federal Credit Union
  • 4101 Main Street, Erie, PA, 16511
  • "AMERICO FEDERAL CREDIT UNION was formed when Erie County School Employees Federal Credit Union and American Sterilizer Federal Credit Union merged in 2003, changing our name to Americo Federal Credit Union. Erie County School Emp FCU and American Sterilizer FCU were each chartered in the early 1950’s. At that time, credit unions served"
  • Florida Rural Electric Credit Union
  • 2916 Apalachee Parkway, Tallahassee, FL, 32301
  • Florida Rural Electric Credit Union was chartered in December 1975 to serve the Rural Electric Cooperatives in Florida. The Credit Union was housed in the Florida Electric Cooperatives Association, Inc., (FECA) building in Tallahassee and served as a supported entity of the Associations member January 1999 the Credit Union Board.
  • FAMU FCU
  • 1610 South Monroe Street, Tallahassee, FL, 32301
  • FAMU Federal Credit Union is a not for profit financial institution located at 1610 South Monroe Street Tallahassee, Florida 32301 in the United States. Established in 1935, FAMU Federal Credit Union is a low income and minority designated federal credit union with a Community Development Financial Institutions (CDFI) certification
  • Envision Credit Union
  • 600 N Monroe St, Tallahassee, FL, 32301
  • Envision Credit Union in North Florida and South Georgia is dedicated to providing products and services that improve our members’ financial positions including checking accounts, savings accounts, mortgages, auto loans, business loans and much more. Bank online, with our mobile app or visit one of our conveniently located branches in FL and GA
  • First Commerce Credit Union
  • 1741 Old St. Augustine Road, Tallahassee, FL, 32301
  • "First Commerce is committed to the well being of our community and all of us living in it. We're committed to making a difference with every person we meet and proudly support organizations that show that same level of passion and commitment. Initially, it may be difficult to see the difference in the types of services"
  • Tallahassee Lender's Consortium
  • 224 Office Plaza Drive, Tallahassee, FL, 32301
  • The Consortium provides information and education regarding credit counseling and the process of purchasing a home to low income and very low income families. In addition, the Consortium administers the City of Tallahassee's Down Payment Assistance Programs and assists local lenders.
  • SYNERGY MORTGAGE GROUP, LLC
  • 2567 Capital Medical Blvd,, Tallahassee, FL, 32308
  • Synergy Mortgage Group is a Florida-based company dedicated to educating first timers about the ins and outs of the home buying experience. Our ultimate goal is to assist consumers with qualifying for a mortgage and negotiating low interest rates to ensure long-term success.Our experienced practitioners have helped open doors for the customers.
  • American Financial Network, Inc.
  • 2450 Tim Gamble Place, 2nd Floor, Tallahassee, FL, 32308
  • AFS MORTGAGE, INC. - Tallahassee, FL strives to ensure that its services are accessible to people with disabilities. AFS MORTGAGE, INC. - Tallahassee, FL has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities,
  • HopeSouth Credit Union
  • 807 W Greenwood Street, Abbeville, SC, 29620
  • HopeSouth Credit Union is dedicated to helping you realize your financial goals, such as reducing your debt, saving for higher education, buying your first home, or planning for retirement and also Proudly serving the financial needs of those who live, work, worship, or attend school in Abbeville County, South Carolina.