USDA Vs. FHA your options comparison in Valley-Springs, Calaveras County, CA

In 2024, USDA loan limit in Valley-Springs, county of Calaveras, CA is $392,900 while FHA limit is $373,750 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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2024 loan limits and downpayment requirments in Valley-Springs, county of Calaveras, CA

Loan Type Loan Limit Down payment
USDA $392,900 0%
FHA $373,750 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Valley-Springs, 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.

Lendersa USDA loan request and matching results

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.

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



  • North Pines Financial Solutions
  • 2135 W Sunnyview Dr, Peoria, IL, 61614
  • 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 and your company from the many loan options that are available today.
  • FLAT BRANCH HOME LOANS
  • 3408 Willow Knolls Dr, Peoria, IL, 61614
  • Flat Branch Home Loans is focused on providing low rate mortgages in Missouri with unparalleled service and expertise. Our experienced staff is the brightest in the industry and is ready to help you find the mortgage for your next home purchase or refinance. Please visit our web page at flatbranchhomeloans.com.
  • Cross County Bank
  • 1 Cross County Plaza, Wynne, AR, 72396
  • Cross County Bank actually began back in 1891 in Wynne, Arkansas. A group of the area's most influential businessmen gathered together daily at the old Commercial Hotel to discuss the day's events. It was here that these men, sitting together in a small room filled with cigar and cigarette smoke, discussed the need for a bank in their small town.
  • Bank of O'Fallon
  • 901 S. Lincoln Ave., O Fallon, IL, 62269
  • The Bank of O’Fallon has been proudly serving the needs of O’Fallon, Shiloh and the surrounding areas since 1959. It stands as one of the oldest businesses in O’Fallon and is committed to the future of the metro east as the area continues to grow. Please stop in today or give us a call to see what we can do for you.
  • Delmar Mortgage
  • 1405 N. Green Mount Rd, Suite 250, O Fallon, IL, 62269
  • Delmar Financial Company is a full-service mortgage company helping new and experienced buyers find their dream homes. Delmar Financial offers a wide range of mortgage products that allow us to fit the best loan to the specific needs of each client. Our products range from conventional, Jumbo, FHA, VA, and more.
  • Tomahawk Community Bank S.S.B.
  • 15 East Wisconsin Avenue, Tomahawk, WI, 54487
  • Tomahawk Community Bank, SSB, was formed as Tomahawk Building and Loan on March 29, 1920. In 1960 the name changed to Tomahawk Savings and Loan and was chartered as a mutual state thrift institution. In 1993, to better accommodate our customers, we changed our charter making us a state savings bank
  • First Business Trust & Investments
  • 401 Charmany Drive, Madison, WI, 53719
  • We’re passionate about helping businesses and people. Since the day our doors opened in 1990, we’ve believed that success relies on putting people first – our clients, our employees, our families, and our communities. The result is extremely engaged employees who feel supported and provide unmatched client satisfaction.
  • Oak Bank
  • 5951 McKee Road, Suite 100, Madison, WI, 53719
  • Oak Bank has become a good friend to Fitchburg and the surrounding communities. The annual Pumpkin Give-Away has already become a Dane County institution, having donated thousands of dollars to local charities. Oak Bank has become immersed in the Fitchburg community by involving itself with numerous events, projects.
  • Easy Mortgage, Inc.
  • 575 D'onofrio Dr, Suite 301, Madison, WI, 53719
  • Easy Mortgage is a locally owned and operated mortgage lending company that has been serving the Madison area since 2005. We are in the business of helping people purchase a home with the best program and rates for their unique situation, whether you are refinancing or buying your first, second, or third home.
  • Illinois Educators Credit Union
  • 3101 Montvale Drive, Springfield, IL, 62704
  • Illinois Educators Credit Union is a member-owned full-service financial cooperative with over $50M in assets serving 7,000 members. Founded in 1938, IECU operates from two locations in Springfield, Illinois and participates in the Co-Op Network, providing shared branching offices and free ATM locations across the state and country.
  • Funeral Service Credit Union
  • 915 S Durkin Drive, Suite A, Springfield, IL, 62704
  • Funeral Service Credit Union, our Board of Directors is elected from and by the membership and serve in a voluntary capacity. Their responsibilities include establishing policies, reviewing and setting dividend and interest rates and ensuring the overall stability of the Credit Union
  • Marine Bank
  • 3050 Wabash Avenue, Springfield, IL, 62704
  • Marine Bank takes an active role in building Central Illinois. We are committed to making our communities better places to live because we live here, too. We recognize that improving the vitality and quality of life in Springfield, Champaign, Bloomington-Normal, Macomb, Rushville and surrounding areas is in the best interest of our customers