USDA Loan Vs. FHA loan pro & con Sonora, Tuolumne County, CA

In 2025, USDA loan limit in Sonora, county of Tuolumne, CA is $336,500 while FHA limit is $472,030 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 Sonora, 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.

5109297234 Lender's profile and map Reviews Levias Lending LLC 5608 Shattuck Ave, Oakland, CA, 94609 At Levias Lending, we believe in turning dreams into reality. We'd like to help you find the perfect mortgage solution to make your homeownership dreams come true. Testimonials "Working with Levias Lending was a game-changer. Their expertise and dedication made the process seamless and stress-free. Highly recommend!" - Mansa Gills Thank yo
(800) 222-7228 Lender's profile and map Reviews Sierra Central Credit Union 1351 Harter Pkwy, Yuba City, CA, 95993 Sierra Central is a credit union with 20 branch locations throughout Northern California. Our commitment is to continue being the Best of Banking Where You Live and Work! We offer low and no cost checking accounts that include online, mobile banking and mobile deposit. We offer auto loans, recreational vehicle loans, personal loans and home loans.
(530) 870-8206 Lender's profile and map Reviews Valley Mortgage Company 1445 Butte House Road, Suite I, Yuba City, CA, 95993 Virtual Mortgage Company is premier residential mortgage lender. We pride ourselves on offering some of the lowest rates and making the loan process fast, simple and straight forward for borrowers seeking an inexpensive mortgage in California. Whether you are a first time buyer, purchasing your dream property,
(855) 855-8805 Lender's profile and map Reviews First Technology Federal Credit Union 3000 El Camino Real, Suite 100, Palo Alto, CA, 94306 Unlike banks, we exist to serve our members, not to make a profit. Instead, we put our time, money, passion, experience, smarts, elbow grease and whatever else we can muster up to work for our members, employees and communities. It’s our secret weapon that turns promises into action: investment in you.
(650) 325-5700 Lender's profile and map Reviews University Investments Inc 2799 Middlefield Road, Palo Alto, CA, 94306 Our services begin as a mortgage broker, shopping the market to find the best loan package for your specific needs and abilities. Where we differ is in the service and the relationship. We are more than just a mortgage finance company; we're an investment tracking company. We offer top-notch service on your loan.
(510) 528-2255 Lender's profile and map Reviews Fishman Financial Group, Inc. 1604 Solano Ave, Albany, CA, 94707 Fishman Financial Group works to build relationships through honest and reliable service and by employing strong ethical practices. We consider the relationships we have with our clients and with realtors our most important assets. Since 1990, we at Fishman Financial Group, Inc have provided our clients with real estate financing for homes
(510) 525-2024 Lender's profile and map Reviews Oak Leaf Funding 1580 Solano Avenue, Suite D, Albany, CA, 94707 Oak Leaf Funding is committed to maintaining the personal relationship business model upon which Wahid and Charley built Oak Leaf Funding.We understand that relationships are the heart of our business and that trusted partners are needed at every stage of the transaction. We make sure that Oak Leaf Funding clients are treated with the utmost care.
(510) 526-7933 Lender's profile and map Reviews F.E. Forbes Company Inc. 1795 Solano Ave., Berkeley, CA, 94707 F.E. Forbes Company is a real estate investment management and private money mortgage lender located in Berkeley, California. Founded in 1921 by Frank E. Forbes, the Third generation Company specializes in the origination of both residential and commercial loans secured by Northern California real estate.
(510) 433-5400 Lender's profile and map Reviews Community Bank of the Bay 180 Grand Avenue, Suite 1550, Oakland, CA, 94612 Established in 1996, Community Bank of the Bay is an independent, community-focused bank with 25 years of active financial investment in businesses and individuals in the San Francisco Bay Area. Our mission is to foster and promote economic development in the communities we serve.
(510) 628-4358 Lender's profile and map Reviews Matson Credit Union loan 475 14th Street, Suite 220, Oakland, CA, 94612 Chartered in 1938, Matson Employees’ Federal Credit Union was established to provide the best services possible — in a friendly atmosphere — for our members and their families. We are a non-profit, financial cooperative owned by you, our members. So you can rest assured that we will always be looking out for your best interest
(510) 444-5626 Lender's profile and map Reviews Money Source 1300 Clay St, Suite 600, Oakland, CA, 94612 We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.