USDA Loan Vs. FHA loan for Shafter, CA 2025

For the current year, 2025, the USDA loan limit for Shafter, situated in the county of Kern, CA, is set at $345,100. By comparison, the FHA limit for a single-family home stands at $472,030.

Utilize Lendersa® USDA loan calculator to comprehensively compare today's top USDA and FHA rates. This tool helps you determine the required income, credit score, reserves, and documents to qualify. See a detailed comparison of USDA, FHA, Conforming, and VA options side-by-side with our advanced mortgage calculator. This will assist you in selecting the best program for your financial needs in Alabama.

Exploring USDA and FHA Loan Choices in Shafter, CA

The aim of Lendersa® is to ensure you receive the most suitable USDA or FHA loan swiftly and without hassle. Choose one of three starting paths that match you with lenders offering USDA loan programs.

Loan Type	Loan Limit	Down Payment
USDA	$345,100	0%
FHA	$472,030	3.5%
Conventional Conforming	$726,200	3%

Lendersa USDA loan request and matching results

Defining the USDA Loan in CA

The USDA home loan, also called a USDA mortgage or USDA rural development loan, is government-backed by the Department of Agriculture, available solely in rural areas. Unlike FHA loans, which mandate a 3.5% minimum down payment, USDA loans offer a zero down payment alternative.

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(715) 346-6534 Lender's profile and map Reviews Sentry Credit Union 1800 North Point Drive, Stevens Point, WI, 54481 Sentry Credit Union was founded in Stevens Point (WI) back in 1935 by Sentry Employees. In 1935, Sentry Insurance was named Hardware Mutual Casualty Company and SCU was named Hardware Mutual Casualty Credit Union. The Credit Union was incorporated as a cooperative, non-profit organization owned and managed by the Members.
(608) 755-6065 Lender's profile and map Reviews Blackhawk Community Credit Union 2640 West Court Street, Janesville, WI, 53548 Blackhawk Community Credit Union is a member-owned financial services organization. Our mission is to empower our members to reach their financial goals. We will do this by holding the highest standards for service while operating in an ethical and financially sound manner and providing our employees with a rewarding career.
(815) 316-4655 Lender's profile and map Reviews Rockford Municipal Employees Credit Union 634 N Church Street, Rockford, IL, 61103 Rockford Municipal Employees Credit Union has been serving our members since 1942 offering a variety of quality financial services. Charted on July 14, 1942, the original office was located at the Water Department with Wesley Johnson at the helm for many years. in August 1992, Rock-Winn Credit Union who served Winnebago county employees
(608) 243-5000 Lender's profile and map Reviews Summit Credit Union 1709 Landmark Dr, Cottage Grove, WI, 53527 Summit, we’re all about helping you turn wishing, waiting and wondering into planning, doing and experiencing. We offer the basic products you want, like checking and savings accounts, credit cards and loans. And we go one step further, providing financial guidance, education, tools, one-on-one coaching and innovative programs to empower.
(608) 362-8983 Lender's profile and map Reviews Teachers Credit Union WI 2315 Prairie Avenue, Beloit, WI, 53511 Teachers Credit Union is a not-for-profit member owned organization. Our goal is to provide the best possible financial services to our members at competitive rates and to maintain the credit union’s long-term financial stability. Teachers Credit Union has been open since 1934. The credit union has assets totaling $30.71 Million.
(608) 363-8000 Lender's profile and map Reviews First National Bank and Trust Company 345 E Grand Avenue, Beloit, WI, 53511 First National Bank and Trust Company is a family-focused, community bank headquartered in Beloit, Wisconsin. Chartered in 1882, First National Bank and Trust has grown to be a leading financial services institution offering products and services for consumers and businesses, as well as trust, retirement services
(608) 364-8911 Lender's profile and map Reviews Blackhawk Bank 400 Broad Street, Beloit, WI, 53511 Blackhawk Bank is a leading community bank serving clients in northern Illinois and southern Wisconsin. Eight full service banking centers are located along the corridor that stretches from Beloit, Wisconsin to Belvidere, Illinois. Experience a relaxed atmosphere where highly respected.
(815) 708-2267 Lender's profile and map Reviews First Community Credit Union 1702 Park Ave, Beloit, WI, 53511 First Community Credit Union is a member-owned, not-for-profit financial cooperative and has provided quality member service for over 85 years. FirstCCU has more than 20, 000 members and $156 million in assets and is a Bauer Financial 5-Star Superior Safety rated credit union for 19 consecutive years.
(662) 283-3231 Lender's profile and map Reviews Bank of Winona LogoMay22-Ext-4621, Winona, MS, 38967 We were founded in 1885 and are the oldest financial institution serving Montgomery and Carroll County. The bank has been locally owned and operated since its founding. Bank of Winona provides a wide array of services to both businesses and individuals. Full Service Bank. Auto, Mortgage, Personal & Business Loans and Services.
3619453804 Lender's profile and map Reviews Dream Funder LLC 3900 Lakeland Dr Suite 200, Flowood, MS, 39232 Mortgage Broker with options for developers, builders, and investors in residential and commercial properties nationwide. Whether the intention is to fix and flip a single-family home, renovate an apartment building, or obtain raw land and develop through the horizontal phase, certain to find a solution if there is one to be found.
(601) 932-5194 Lender's profile and map Reviews MS National Guard Federal Credit Union 142 Military Drive, Flowood, MS, 39232 The MS National Guard FCU serves retired/active members of the MS Air and Army National Guard. Members of the Mississippi Air/Army National Guard including full-time, federal, state, active-duty, civilian, traditional guardsmen, and employees of the non-appropriated fund activities at Thompson Field.
(601) 919-0066 Lender's profile and map Reviews Diversified Mortgage Corporation 1698 Old Fannin Road, Flowood, MS, 39232 DMC has been providing mortgage loans since 2000. We are a mortgage broker, which allows us the opportunity to work with multiple lenders. Being a broker gives us the ability to access many different programs and secure the best rate for our clients. On October 1, 2009, Diversified Mortgage became a wholly owned subsidiary of Bank of Forest.