USDA Loan Vs. FHA loan for Sonoma, CA 2025

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.

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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.

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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.

(844) 545-6267 Lender's profile and map Reviews Pacific Green Funding 29300 Kohoutek Way, Suite 110, Union City, CA, 94587 We treat each customer like family. We understand that each client's needs are unique and will work with you to obtain the best loan possible. By providing excellent service and by representing a wide range of A-rated lenders, we can fund your goals with great low rates and help you to achieve your home ownership and investment dreams.
(650) 384-9089 Lender's profile and map Reviews Aiyar, Bala G 4701 Rose Way, Union City, CA, 94587 Home buying, selling or Refinancing can be challenging; we are here to lighten the load off your shoulders. Our first priority is always the interests of our clients providing capability, adaptability, and scalability. Since 2010, we have been serving loyal clients in California - get in touch to start enjoying our services today.
(510) 219-2880 Lender's profile and map Reviews MRL Group 3982 Horner Street, Suite C, Union City, CA, 94587 MRL Group is the premiere real estate & loan company in the East Bay Area, with expertise and access to all Northern California metro markets. Whether you're in the Sacramento, San Francisco, or San Jose area, we can provide you with the best service and local knowledge to buy or sell your property.
(925) 447-5001 Lender's profile and map Reviews UNCLE Credit Union 2100 Las Positas Court, Livermore, CA, 94551 UNCLE Credit Union is a $625 million, full service financial institution. We’re known for our community involvement and for offering exceptional and friendly service. And unlike banks who must answer to their stockholders, we’re a not-for-profit cooperative organized by our members, for our members
(800) 877-4444 Lender's profile and map Reviews OE Federal Credit Union 250 N Canyons Pkwy, Livermore, CA, 94551 OE Federal Credit Union is the Credit Union for dirty hands, muddy boots, and hard hat hair. We were founded in 1964 by union workers for union workers and their families. We know what you're thinking. You hear the words ""Credit Union"" and think small or limited. But OE Federal is the largest labor based credit union in the country.
(925) 784-6410 Lender's profile and map Reviews John Hinrichs 397 Hummingbird Ln, Livermore, CA, 94551 John Hinrichs heads a real estate financial services consultant team that provides unparalleled service and performance. His team is committed to providing unbiased advice and prudent strategies for every aspect of real estate home ownership, financing and investing. His team provides home loans on single family residences.
(925) 243-9780 Lender's profile and map Reviews Extreme Mortgage Lending 365 North Canyons Parkway, Suite 220, Livermore, CA, 94551 At Extreme Mortgage we are committed to getting you the most affordable financing for your home. We offer a variety of mortgage loan programs. We offer residential loans up to $4.5 million on first mortgages for 1-4 family homes, co-ops, condos, second or vacation homes, or mortgages for investment purposes.
(925) 520-5800 Lender's profile and map Reviews Select Financial 457 North L Street, Livermore, CA, 94551 SelectRealtors-SelectFinancial helps you in assessing your loan eligibility, work out a financial game plan in your buying process, and assist you to get pre-approved to be competitive in the market place Ben Magalang is a Mortage Broker Buying a home can be a very exciting adventure. Before you begin evaluating your housing options.
(800) 632-4600 Lender's profile and map Reviews Provident Credit Union 303 Twin Dolphin Drive, Redwood City, CA, 94065 Provident Credit Union is and has been a local financial Institution serving the Bay Area and beyond for over 65 years. We offer our members a wide array of financial products and services with an unmatched level of customer service and convenience. Our members enjoy 21 branches located throughout the Bay Area.
(800) 922-5300 Lender's profile and map Reviews Megadyne, LLC 240 Masonic Way, Suite 511, Belmont, CA, 94002 Our goal is to make available the most affordable loan programs to aid you in reaching your objectives. Regardless of your circumstances, our representatives will assist you throughout the process. Whether it is a Hard Money Loan, Purchase Loan, Refinance, Commercial Loan, Residential Loan
(530) 406-2200 Lender's profile and map Reviews Mitchell Mortgage 1737 Hoffman Street, Woodland, CA, 95776 Mitchell Mortgage has been serving the home loan needs of our clients in Napa, California for over 24 years. In addition to the beautiful Napa Valley, we are now also located in the lovely communities of Davis and Woodland, California to better serve the residents of Yolo County and the Sacramento region.
(408) 332-7036 Lender's profile and map Reviews Cal State Realty & Mortgage 4682 Macbeth Avenue, Fremont, CA, 94555 I serve Northern California, from Sacramento down to the Bay Area to the Central Valley. I work with my clients in their real estate investment starting with buying or selling (residential and commercial), marketing our office listings through various strategies/media tools, financial mortgages and much more.