USDA Loan Vs. FHA loan for Tracy, CA [ best of 2023]

In 2025, USDA loan limit in Tracy, county of San Joaquin, CA is $556,200 while FHA limit is $656,650 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 Tracy, 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.

(704) 333-4500 2246 miles Lender's profile and map Reviews Bridgewater Capital Inc 2108 South Boulevard, Suite 209, Charlotte, NC, 28203 Bridgewater Capital we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you and We make sure our clients get the best support from our staff walk you through the whole mortgage process
(704) 930-7830 2246 miles Lender's profile and map Reviews DHL Mortgage 529 W Summit Ave, Suite 2A, Charlotte, NC, 28203 At DHL Mortgage, formerly known as Direct Home Loans, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
(704) 372-1633 2247 miles Lender's profile and map Reviews Omni Mortgage Corporation 801 E Morehead St, Suite 100, Charlotte, NC, 28202 Omni Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
(704) 285-8020 2247 miles Lender's profile and map Reviews PrimeLine Capital Inc 128 South Tryon Street, Suite 20-104, Charlotte, NC, 28202 Primeline Capital is dedicated to helping all our clients find the best rates and guide you throughout the entirety of your financing journey. We help each client reap the rewards of finding the perfect lending solution. Primeline Capital offers a vast network of options paired with local experience and educated guides to match you.
(704) 602-2446 2247 miles Lender's profile and map Reviews Loan Pronto Inc 800 West Hill St, Suite 300, Charlotte, NC, 28202 Loan Pronto because we wanted to make refinancing or purchasing your home as easy as it should be. By leveraging the speed and efficiency of digital platforms, we make getting a loan faster, less expensive, and less invasive, without sacrificing the personal service that helps put your concerns at ease.
(888) 507-8929 2247 miles Lender's profile and map Reviews Dolfin Home Loans LLC 227 West 4th Street, Suite 107, Charlotte, NC, 28202 Established in 2019, Dolfin Home Loans is an independent mortgage brokerage that offers diverse mortgage options to consumers located in North Carolina, South Carolina, Florida, and Virginia. Dolfin Home Loans is excited to be the smarter choice for consumers looking for unbiased consultation, wholesale mortgage rates,
(704) 817-3937 2247 miles Lender's profile and map Reviews BlackHawk Mortgage LLC 615 South College Street, Suite 09, Charlotte, NC, 28202 BlackHawk Mortgage is a Veteran owned company founded to provide an easier way to obtain home ownership. We are located in Charlotte, NC, we pride ourselves on client satisfaction and a stress free process. The key to our early on success has been a combination of consistently offering the lowest possible rates.
(704) 974-1530 2247 miles Lender's profile and map Reviews Lendexa Mortgage LLC 227 W 4th Street, Office 123, Charlotte, NC, 28202 Lendexa Mortgage LLC is a Mortgage Broker and not empowered to lend. All loans are arranged through third party lenders. LENDEXA MORTGAGE LLC is in the Mortgage Bankers and Loan Correspondents industry in Charlotte, North Carolina. This company currently has approximately 1 to 5 employees.
(877) 398-7828 2247 miles Lender's profile and map Reviews LVL Funding Group, LLC 200 East 5th Street, Suite 1200, Charlotte, NC, 28202 LVL, we are proud to serve our clients, partners, & lenders. We are Commercial Mortgage Consultants focused on providing the best financing solutions for each deal and every client. As Banks make it increasingly difficult for borrowers to get the financing they need, we are here to own that process for our clients.
(704) 331-3910 2247 miles Lender's profile and map Reviews Pantheon Capital Advisors 525 N Tryon St, Charlotte, NC, 28202 Pantheon was created in 2012 based on an identified need and opportunity to unite investors wanting a higher rate of return on secured investments with proven, successful entrepreneurs who needed capital to fund their real estate and business expansion projects. Pantheon is a boutique firm that is all about relationships.
(702) 601-5533 2247 miles Lender's profile and map Reviews Emory Funding PO Box 77533, Charlotte, NC, 28271 "Emory Funding is the Premiere Hard Money Loan Solution lender. Emory Funding is owned by Ben Joffs and MeKell Joffs. They use their personal funds and work with a close group of lenders to finance all types of real estate projects: residential, commercial, rehab, construction."