USDA Vs. FHA Pro and Con comparison in St.-Helena, Napa County, CA

In 2024, USDA loan limit in St.-Helena, county of Napa, CA is $706,900 while FHA limit is $816,500 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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2024 loan limits and downpayment requirments in St.-Helena, county of Napa, CA

Loan Type Loan Limit Down payment
USDA $706,900 0%
FHA $816,500 3.5%
Conventional Conforming $816,500 3%

USDA and FHA loan options in St.-Helena, 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?



  • Mi Casa Financial, LLC
  • 1616 San Pedro Ave, San Antonio, TX, 78212
  • We are Texans and focus all of our energy on helping fellow Texans who may be struggling to keep their homes. Mi Casa grew out of our law practice, The Law Offices of Ed Goldner, and will continually operate as a closely held limited liability company. Our office is centrally located in San Antonio at 1616 San Pedro Avenue
  • SecureNet Loan Services
  • 311 Howard St, San Antonio, TX, 78212
  • We offer full service loan servicing for private investors. We can service a single loan or a complete portfolio. Assisting small investors is our passion, whether it be whole loans, partial loans, wraps or land loans. We offer easy setup and timely disbursements of investor funds and escrow payments for taxes and insurance.
  • Covey Financial
  • 4515 San Pedro Ave, San Antonio, TX, 78212
  • Founded in 2012, Covey Financial is a Texas-based loan servicer. We service over 8, 000 loans throughout 12 US States and are constantly growing. Our competitive advantage is our simple pricing model. Our clients experience: no setup fees, no laundry list of fees, and no conditional pricing. Covey Financial is a top choice for lenders.
  • Texas Mortgage Capital Corporation
  • 311 Howard St, San Antonio, TX, 78212
  • Texas Mortgage Capital Corporation is a premier provider of private money loans and investment opportunities. We specialize in offering tailored financing solutions for a variety of needs including short-term bridge loans, fix-and-flip investments, buy-and-hold investments, refinancing a current loan,
  • United Consumers Credit Union
  • 1111 E 23rd Street, Independence, MO, 64050
  • Since 1941, United Consumers has been providing its members with an alternative to increasingly expensive banking services. The credit union is a not-for-profit financial institution owned by the members who join. Benefits of membership include lower rates on loans, higher rates on investments
  • Independence Federal Credit Union
  • 301 West Lexington Avenue, Suite 260, Independence, MO, 64050
  • In 1963 Independence Federal Credit Union was chartered by the Independence Postal Workers to serve any Federal employee that worked in Independence. Over the years we have extended the membership to include the following: Civilian employees and military personnel who work at or are attached to the Lake City Ammunition plant
  • Square One Realty & Property Solutions LLC
  • 800 West Maple Avenue, Independence, MO, 64050
  • Square One Solutions is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time,
  • Equal Housing Opportunity
  • 11012 Montesa Drive, Austin, TX, 78726
  • Ariel Capital Mortgage Lending, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. And also We work with a variety of lenders. This allows us to get you the best rates on all types of loan programs.
  • 360 Mortgage Inc.
  • 28 Westwoods Dr, Liberty, MO, 64048
  • At 360 Mortgage Inc. we understand how important this is for each and every one of our clients. As a local broker in Liberty and Baton Rouge, we are able to offer the widest range of products and the lowest mortgage rates available. For over 11 years, 360 Mortgage Inc. has been making homeownership a reality for families
  • Kearney Trust Company
  • 310 West 92 Highway, Kearney, MO, 64060
  • Kearney Trust Company commit to consistently strive to uphold integrity, trust and exemplary service. We promise to engage in a continuous pursuit in the creation of an atmosphere in which the company can prosper and profit while serving the needs of the community and customers. Our first location was on the southwest corner of Washington.
  • Crockett National Bank
  • 8018 Broadway St, San Antonio, TX, 78209
  • Crockett National Bank assists our customers in reaching their financial goals. We believe in providing our customers with superior service and outstanding financial products. Our success is based on the satisfaction of our customers. Doing business with people who specialize in Texas lending can really make a difference.
  • Piazza Lending, LLC
  • 7227 Broadway, San Antonio, TX, 78209
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.