USDA Vs. FHA Pro and Con comparison in Thousand-Oaks, Ventura County, CA
In Thousand-Oaks, within Ventura County, CA, for 2026, the USDA loan limit is $591,500, whereas the FHA loan limit is established at $739,450 for a single-family home.
Leverage the Lendersa® USDA loan calculator to evaluate the most competitive rates between USDA and FHA loans available today. Ensure you meet income, credit, reserves, and necessary documentation criteria. Our sophisticated mortgage calculator affords a side-by-side comparison of USDA, FHA, Conforming, and VA loan products, allowing you to determine the most beneficial program in for your economic landscape.
2026 Loan Limits and Down Payment Requirements in Thousand-Oaks, Ventura County, CA
Loan Type
Limit
Down Payment
USDA
$591,500
0%
FHA
$739,450
3.5%
Conventional Conforming
$739,450
3%
Discover USDA and FHA Loan Paths in Thousand-Oaks, CA
The primary aim of Lendersa® is to secure the optimal USDA or FHA loan expediently and effortlessly for you. Begin your journey by selecting one of three pathways that connect you with matching lenders and available USDA loan schemes.
A USDA home loan, guaranteed by the Department of Agriculture, commonly termed as a USDA rural development loan or USDA mortgage, is exclusively offered in rural areas. Contrary to FHA loans requiring at least a 3.5% down payment, USDA mortgages necessitate no down payment, thus broadening accessibility.
Gem Home Loans is a client-focused lender made up of experienced professionals. We have made the choice to step away from the impersonal big-box banks and in your face marketing machines. We prefer working one-on-one with clients in building customized financial solutions. The person you contact will be the person who you work with throughout.
Telhio Credit Union has been a strong and stable financial institution in central Ohio since 1934. We are a not-for-profit, full-service financial institution cooperative, meaning our members are owners and can expect to receive high-quality financial services to meet all of their needs. Telhio is strong and safe, and has been serving central Ohio.
Education First Credit Union was established in 1936 by five Columbus City School teachers as a credit union for teachers and their families. From these humble beginnings, the original five employees have grown to nearly 50 with three locations but we have never strayed from our goal of serving Ohio’s educational community.
CME Federal Credit Union was established in 1935 by the City of Columbus Firefighters. A fews years later, CME FCU began serving employees of the City of Columbus Division of Police. Gradually, CME FCU expanded over the years to serve city, county, and municipal employees within Franklin County.
Huntington Bancshares Incorporated is a $174 billion asset regional bank holding company headquartered in Columbus, Ohio. Founded in 1866, The Huntington National Bank and its affiliates provide consumers, small and middle-market businesses, corporations, municipalities, and other organizations with a comprehensive suite of banking, payments.
Our vision is to create an exceeding mortgage experience for our customers. Every business decision we make is centered around our biggest asset, our customers To become a winning brand in the
mortgage industry by driving a culture of customer-centricity through every phase of the mortgage process.
250 Civic Center Dr, Suite 150, Columbus, OH, 43215
Pace Financial Group offers a full range of commercial real estate funding options as well as a full service commercial mortgage loan servicing operation. Financing options include first and second mortgage debt, equity investments, mezzanine financing & brokerage services. Pace expanded its focus to include the brokerage of interim, construction.
Armstrong Mortgage Company is a full service Mortgage Banking firm, founded in 1971. Armstrong provides mortgage services for its clients, such as Multifamily Owners and Developers, Commercial Property Owners and Developers as well as health care developers and owners. A major business emphasis is on the construction and permanent financing.
875 N. High Street, Suite 300, Columbus, OH, 43215
Our mission is to remove barriers and rid the antiquated processes to deliver the lowest rate for our client. FirstCapUS raises your mortgage expectations with trusted service locally in the Midwest, a digital approach that increases ease of use and people who believe in integrity first and foremost -enabling you to focus on your next life move.
LIBERTY MORTGAGE COMPANY STRIVES TO ENSURE THAT EVERY CLIENT HAS ACCESS TO THE LOWEST RATES AVAILABLE, NO MATTER THEIR SITUATION, FOR THEIR HOME MORTGAGE LOANS. WHETHER THEY ARE FIRST TIME HOME BUYERS, OR REFINANCING FOR THE TENTH TIME, FHA, HARP, VA, USDA AND JUMBO MORTGAGE LOANS ARE AVAILABLE
