USDA VS FHA in Truckee, Nevada County, CA

In 2025, the USDA loan limit for Truckee, located in Nevada, CA, is $487,600, while the FHA limit for a single-family home is $644,000.

Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. This tool helps determine the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA side by side, assisting you in selecting the best option for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Truckee, Nevada County, CA

Loan Type Loan Limit Down Payment
USDA $487,600 0%
FHA $644,000 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Truckee, CA

The goal of Lendersa® is to promptly secure the best USDA or FHA loan for you without hassle. Choose from three starting points leading to lender matches and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in CA?

A USDA home loan, backed by the government Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is exclusively accessible in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans need no down payment.

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



  • Taleris Credit Union
  • 7435 Broadview Road, Seven Hills, OH, 44131
  • Taleris Credit Union (TCU) is made up of groups of people, related by a common bond, who pool their savings into a fund from which each may borrow should the need arise. This philosophy of “People Helping People” has been the cornerstone of TCU for over 80 years. TCU is a democratically operated financial institution owned and operated by its membe
  • Ohio Teamsters Credit Union
  • 6100 Rockside Woods Drive, Suite 150, Independence, OH, 44131
  • In 1953, the big expansion took place and the credit union was renamed Cleveland Teamsters Credit Union. Its assets, which had climbed from $2, 666 in 1940 to $352, 000 in 1952, suddenly zoomed to just under $572, 555 in 1953, to nearly a million in 1955. The credit union has since experienced steady growth.
  • Century Federal Credit Union
  • 4600 Rockside Road, Independence, OH, 44131
  • Century Federal Credit Union is a not-for-profit financial cooperative existing to serve its members. Credit unions, like Century Federal, are less likely to charge service fees than banks, that are for-profit institutions. We do not issue stock or pay earnings dividends to outside stockholders like other financial institutions.
  • NLC Loans
  • 4 Summit Park Drive, Suite 200, Independence, OH, 44131
  • NLC Loans support your personal goals and dreams so that you and your family can live the life you want and deserve. Whether you’re buying your first home, your next home, or refinancing, we’ve got your back. NLC Loans is a leading, full-service, residential mortgage lending and mortgage refinance company.
  • Liberty Home Mortgage Corporation
  • 6225 Oak Tree Blvd, Independence, OH, 44131
  • "Liberty Home Mortgage operates with a focus on a very simple goal - to lead the industry in customer satisfaction and to set a new standard by which our industry operates. Liberty Home Mortgage Representatives are available seven days a week. We even have a customer care line which current customers can call to get answers"
  • PromiseOne Bank
  • 2385 Pleasant Hill Road, Duluth, GA, 30096
  • PromiseOne Bank (f/k/a NOA Bank) was established on November 6, 2008 by a group of individuals who shared a vision to create a true community bank that would serve our community and its diverse population. We started our banking operation from our main branch in Gwinnett County & have expanded our geographic footprints to Dekalb & Fulton Counties.
  • Unlimited Mortgage Group Inc
  • 2645 North Berkeley Lake Road, Building A, Suite 102, Duluth, GA, 30096
  • 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.
  • Brightside Home Loans Inc
  • 2862 Buford Highway, Suite 102, Duluth, GA, 30096
  • "We’re making getting a mortgage easier than ever before. Brightside Home Loans Inc. has an experienced team of brokers on staff. From fast, custom digital quotes to a completely streamlined online loan application and approval process, you can get your money and do what you want with it — usually in less than 30 days."
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  • 3473 Satellite Blvd, Suite 200N, Duluth, GA, 30096
  • Keystone Residential Mortgage LLC Every day I help clients obtain the best loans in San Francisco in order to finance their properties. I provide specialized home-buying and refinancing services, and my approach is focused on addressing their needs and financial situations throughout the entire real estate financing process.