USDA VS FHA in Sonoma, Sonoma County, CA

In 2025, USDA loan limit in Sonoma, county of Sonoma, CA is $763,200 while FHA limit is $861,350 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.

Compare loan offers from 100 lenders

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

Loan Type Loan Limit Down payment
USDA $763,200 0%
FHA $861,350 3.5%
Conventional Conforming $861,350 3%

USDA and FHA loan options in Sonoma, 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?



  • Loanleaders of America
  • 4365 Northlake Blvd., Palm Beach Gardens, FL, 33410
  • Fidelity is a diversified mortgage company, making use of state-of-the-art technology and the vast experience of our team to meet and realize the financial dreams of existing and perspective homeowners.Our goal at Fidelity is to provide our customers with the best mortgage experience throughout the entire process.
  • Cash Tyme
  • 2401 PGA Blvd., Ste 280-G, Palm Beach Gardens, FL, 33410
  • Cast Home Loans here in Palm Beach we pride ourselves on simplifying the home loan process while making mortgage customer service our number one priority. You can count on our experienced team to continuously deliver quality service and expertise. Innovation and integrity are always at the forefront of our work
  • 360 Capital Funding
  • 777 Westchester Avenue, Suite 101, White Plains, NY, 10604
  • 360 Capital Funding is a privately held direct lender whose principals have over 30 years of experience in real estate lending and investing. Our firm provides acquisition, refinancing, rehab and development loans for ALL property types. We offer quick decisions and flexible terms to meet your financing needs.
  • Solution One Capital Corp
  • 707 Westchester Avenue, Suite 209, White Plains, NY, 10604
  • Solution One Capital Corp. Helping to bring people and homes together! Our goal as experienced mortgage brokers is to explore the many financial options available to you, and to work together to find the best one. Whether you are buying your first home, second home or refinancing your current mortgage
  • RealFi Home Funding Corp
  • 707 Westchester Avenue, Suite 305, White Plains, NY, 10604
  • We are redefining the mortgage process from the ground up by combining an innovative approach with an experienced management team. We combine state-of-the-art technology with in-house expertise creating a seamless, transparent process that transforms mortgage lending from beginning to end.
  • ABS Based Solution
  • 1133 Westchester Avenue, West Harrison, NY, 10604
  • Asset Based Solution (ABS), LLC focuses on real estate and asset-based lending. We are the leading Hard Money Lender in New York & Florida, also lending in Connecticut, Maryland, New Jersey, and Pennsylvania. Our mission is to empower real estate investors, beginners or experienced, to seize opportunities they cannot finance themselves. We under
  • Medisys Employees fcu
  • 8900 Van Wyck Expressway, 2nd Floor, Jamaica, NY, 11418
  • Medisys EFCU was chartered in 1972 as Jamaica Hospital Employees FCU, to serve the employees working at Jamaica Hospital Medical Center in Jamaica, Queens, NY. Over the years, and as the hospital’s influence has grown and changed, we have expanded our field of membership to include employees working for the many entities
  • Easton Financial Corp
  • 125-15 Liberty Avenue, 2nd Floor, South Richmond Hill, NY, 11419
  • We are committed to helping you find the right mortgage product for your needs. We understand that every borrower is different & we offer a variety of products to meet your individual requirements.We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Drexel Mortgage Corporation
  • 103-44 108th Street, Richmond Hill, NY, 11419
  • Drexel Mortgage can finance, purchase, refinance your loan quickly. With hundreds of sources of capital Drexel is able to find a way to get you funding tailor made to fit your needs. We can provide loans to people who have OK credit, OK income, OK homes and a good business. Whatever your unique situation - we fund all good deals - guaranteed.
  • OMNI MORTGAGE CORP.
  • 118-18 101 Avenue S, South Richmond Hill, NY, 11419
  • Omni Mortgage we pride ourselves on providing superior customer service & creating satisfied customers.our staff consist of experienced mortgage professionals who have an hands on approach to mortgage guidance.Not only you will find our team members knowledgeable,but you will also discover we truly care about helping you make your dreams a reality
  • Quorum Federal Credit Union
  • 2500 Westchester Avenue, Suite 411, Purchase, NY, 10577
  • Our mission is to do good by you and for you, by returning profits in the form of our competitive rates, low fees, simple rules, clear communication, frictionless delivery and unbiased advice. Quorum is banking that’s focused on you, and how our products and services can help you live life as you choose.
  • Cardinal Mortgage Corp.
  • 2900 Westchester Avenue, Purchase, NY, 10577
  • At Cardinal Mortgage Corp., we provide an extremely important service in the field of mortgage finance, including the loan origination, working closely with the borrower, pre-qualifying the loan, verifying the credit and property aspects of the loan, and making sure that you, the borrower is protected in all areas of the loan.