USDA Vs. FHA your options comparison in Strathmore, Tulare County, CA

During 2026, the USDA loan limit in Strathmore, located in Tulare county, CA, is set at $342,100, while the FHA cap is $472,030 for a single-family home.

Utilize the Lendersa® USDA loan calculator to examine current USDA vs. FHA rates, assessing the income, credit score, reserves, and necessary documents to qualify. Our advanced mortgage tool shows USDA, FHA, Conforming, and VA options side by side, helping you determine which program in best fits your financial requirements.

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2026 Loan Limits and Down Payment in Strathmore, Tulare, CA

Loan Type Loan Limit Down Payment
USDA $342,100 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Choices in Strathmore, CA

Lendersa® is dedicated to swiftly securing the best USDA or FHA loan for you without difficulty. Opt for one of three initial strategies aligning with lenders and USDA loan offerings.

Lendersa USDA loan request and results

Understanding USDA Loans in CA

A USDA home loan, supported by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. In contrast to FHA loans that require at least a 3.5% down payment, USDA loans don't require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • 718 North Pine Street, Rolla, MO, 65401
  • Phelps County Bank is 100% owned by our employees through an Employee Stock Ownership Plan (ESOP). Our mission is to build relationships with purpose, integrity, and fairness through a commitment to teamwork, education, and growth - believing that contributions of time, talents, and service lead to a better community for all.
  • Riverways Federal Credit Union
  • 1012 Forum Drive, Rolla, MO, 65401
  • Riverways Federal Credit Union, you’ll have access to all the same services you would use at other financial institutions. The difference is that at Riverways Federal Credit Union, you’ll get a better deal, and you’ll receive better service and also We enjoy helping our members grow financially and work towards their long term goals.
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  • 1515 Martin Springs Drive, Rolla, MO, 65401
  • Citizens Bank of the Midwest is a locally owned bank that is dedicated to building the communities we call home. We are committed to providing the best personalized service for all your financial needs. Stop by any of our three convenient locations and speak to our knowledgeable staff to start banking with us today.
  • Mortgage Store, LLC
  • 11130 Twitty Drive, Suite 120, Rolla, MO, 65401
  • "We are here to serve you by answering your questions and assisting you in a friendly, courteous manner as you navigate through the mortgage loan process. We understand that you have many mortgage consultant options and are prepared to earn your long term trust. We are confident that you will quickly see how commited"
  • Arkansas Farm Bureau Federation credit union
  • 10720 Kanis Road, Little Rock, AR, 72207
  • Arkansas Farm Bureau Federation (ArFB) is a nonprofit, grassroots organization dedicated to agricultural advocacy. ArFB represents the interests of farmers and rural communities throughout the state of Arkansas through policy development, lobbying and other programs. The mission of Arkansas Farm Bureau Advocate the interests of agriculture i
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  • 1501 N. Pierce Street, Suite 104, Little Rock, AR, 72207
  • "Our Land Line Lending team has over 75 years of land industry experience. That experience, along with our industry knowledge & know-how, provides our customers with solutions that are as unique as their needs. Our team is proud to uphold the values of dependability & stability while working toward innovations that are improving financing opti
  • VA Hospital Federal Credit Union
  • 4300 W 7th St, Room 1A-118, Little Rock, AR, 72205
  • VA Hospital Federal Credit Union. The credit union was established in 1951 to serve its members financial needs. Since its inception the credit union has provided financial services at the best economical rates in the most opportune manner. This tradition started over 6 decades ago continues today.
  • Baptist Health Federal Credit Union
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  • Baptist Health Federal Credit Union is a not-for-profit financial institution with a people helping people mentality. We serve employees, friends, family, retirees, and volunteers of Baptist Health and other healthcare service industries. All deposits are federally insured by the NCUA up to $250,000. Visit the NCUA to learn more.
  • Cooperative Extension Federal Credit Union
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  • MCT Financial
  • 3240 East River Road, Rochester, MN, 55906
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  • Main Source Mortgage
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  • Main Source Mortgage our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process so that you can confidently select the best loan for you & your company from the many loan options that are available today.
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  • 3303 North Service Drive, Red Wing, MN, 55066
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