USDA and FHA Pro and Con in Tracy, San Joaquin County, CA
In 2025, the USDA loan threshold in Tracy, within San Joaquin county, CA, is set at $556,200. Meanwhile, the FHA limit for a single-family residence is $656,650.
The Lendersa® USDA loan calculator lets you compare today's best USDA and FHA rates, evaluating the necessary income, credit, reserves, and documentation for qualification. This advanced mortgage calculator presents USDA, FHA, Conforming, and VA loan programs side by side, helping you decide which option in is optimal for your financial circumstances.
2025 Loan Limits and Down Payment Requirements in Tracy, San Joaquin, CA
Loan Type
Loan Limit
Down Payment
USDA
$556,200
0%
FHA
$656,650
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Tracy, CA
The goal of Lendersa® is to secure the best USDA or FHA loan swiftly and without hassle. Choose one of these three starting options to be matched with relevant lenders and USDA programs.
A USDA home loan is backed by the government Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, and is available only in rural neighborhoods. Unlike FHA loans, which require a 3.5% down payment, a USDA mortgage requires none.
Security Federal Providing excellent service to our customers is our primary objective. Each employee must be committed to excellence in order to achieve this objective. As a small community Bank where each employee has contact with customers, YOU represent the Bank. Our actions and attitude can either gain customers or lose them.
CLFCU has served Huntington and surrounding areas since 1932. We take pride in providing exceptional service to our members. CLFCU is federally insured by NCUA and is an Equal Housing Lender. Our Mission: Community Link Federal Credit Union is committed to being the first-choice financial institution in the community.
Bippus State Bank has served Huntington and surrounding counties since 1911. We are a community bank and pride ourselves on providing excellent customer service. BSB offices are conveniently located in Huntington, North Manchester, Roanoke, and Warren. We are Member FDIC and an Equal Housing Lender.
The Cecilian Bank's rich history is proof of our reliability, dedication and trustworthiness. Our loyalty to our customers and community has elevated The Cecilian Bank from one small building in Cecilian, Kentucky, to where we stand today as one of the most respected financial institutions in the region
Bank of Frankewing, a 100-year-old financial services institution, serves southern, middle Tennessee and northern Alabama with personalized, friendly banking opportunities. Bank of Frankewing is an independent institution focusing on the needs of our communities by offering a comprehensive range of personal and business banking services
Veritas Federal Credit Union is a Federally Chartered, Federally Insured Independent Financial Institution originally chartered on July 13, 1973 to serve the employees of Nissan Motor Corporation and other employers.Credit Union is a Federally Chartered, Federally Insured Independent Financial Institution originally chartered on July 13, 1973.
Highpoint Community Bank was founded as Hastings City Bank in 1886 when 35 Hastings investors provided the initial capital of $50,000. At the time, we served the town and community of Hastings with its economy driven mostly by sawmills. As our bank grew through the years, we expanded into Middleville, Caledonia, Nashville, Bellevue and beyond.
Thornapple Credit Union has been open since 1964. The credit union has assets totaling $57.82 Million and provides banking services to more than 7, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
Tuscaloosa VA Federal Credit Union is a not-for-profit, member-owned, financial cooperative, committed to providing members with the financial services they need, when and where they need them — affordably, conveniently and professionally. Tuscaloosa VA Federal Credit Union was established in November 1951.
1008 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
Red Oak Credit Union is owned by the members and managed and operated by a professional full-time staff and a 7-member board of directors. The board of directors are elected by the members and themselves are members. All deposits are insured to at least $250,000 by the National Credit Union Administration.
1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
ARECU started with the dreams of seven in 1969, and in 2020 we are excited to be Alabama Rural Electric Credit Union, a division of Alabama ONE. The merger with Alabama ONE Credit Union in April of 2020 brings a myriad of improved products and services with the added strength of Alabama ONE's legacy of exceptional service.
