USDA Vs. FHA Pro and Con comparison in Valley-Springs, Calaveras County, CA

In 2025, 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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2025 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?



  • Emerald Coast Federal Credit Union
  • 502 Woodward Avenue, Port Saint Joe, FL, 32456
  • The Emerald Coast Federal Credit Union is a full-service financial cooperative, dedicated to serving its membership. We were originally chartered in 1939 as St. Joe Papermakers Federal Credit Union to serve the employees and their families of the local paper mill. In 1998, we became Emerald Coast Federal Credit Union and converted.
  • "Charleston Postal Federal Credit Union"
  • 1000 Centre Way, Room 3-47, Charleston, WV, 25309
  • Charleston Postal Federal Credit Union has been open since 1993. The credit union has assets totaling $4.65 Million and provides banking services to more than 800 members as of March 2022. The credit union is a not-for-profit, member-owned financial cooperative providing services to government employee members.
  • Ecusta Credit Union
  • 2074 Asheville Highway, Brevard, NC, 28712
  • Ecusta Credit Union was founded in 1976 in order to provide the Olin Corporation employees with a safe, convenient place to save as well as borrow – a financial institution dedicated to their best interest. After several name changes, we are now known as Ecusta Credit Union, we offer our services to everyone who lives, works, worships
  • Carolina Financial Group
  • 100 Elks Club Rd, Brevard, NC, 28712
  • Bruce Roberts (CEO of Carofin and Carolina Financial Securities—Carofin’s parent company), and Peter Milhaupt (Chairman of Carolina Financial Securities). Their paths had crossed many times, both in finance and as friends, when in 1995 they became business partners in the formation of the Carolina Financial Securities (CFS).
  • Telco Community Credit Union
  • 712 New Leicester Hwy, Asheville, NC, 28806
  • Telco Community Credit Union has been providing financial services to communities in the Western North Carolina Area for over 80 years. We were organized in 1935 to serve the employees of the Southern Bell Telephone System. Today, we are a community chartered credit union serving in 21 counties.
  • U.S. Funding Solutions, Inc.
  • 119 Foxden Rd, Suite 100, Mars Hill, NC, 28754
  • USFScorp Commercial Bridge Loans. Bridge Loans for Commercial, Business, Short Term Real Estate Bridge Loans, Construction Bridge Loans, Bad Credit Bridge Loans. Contact Us Today for Info Or To Apply For Bridge Loans US A commercial bridge loan can provide many benefits such as providing the flexibility to take advantage of opportunities right
  • WILLIAMSTOWN BANK
  • 435 Highland Avenue, Williamstown, WV, 26187
  • Williamstown Bank, Inc. is a locally owned and operated community bank serving Wood County, WV and the surrounding area. Founded in 1919, Williamstown Bank understands the needs of customers evolve over time, and we are excited to offer a unique blend of the most up to date technology with the personalized service
  • WEE Federal Credit Union
  • 3312 Dudley Avenue, Parkersburg, WV, 26104
  • WEE Federal Credit Union was established in 1961 as a non-profit financial institution set up to serve the Wood County Educational Employees (Wood County, West Virginia) and their family members by providing a convenient way to save money as well as providing its members a way of borrowing money at a reasonable rate of interest.
  • Select Seven Credit Union
  • 333 East Main Street, Johnson City, TN, 37601
  • Select Seven Credit Union was originally called Pet Dairy Employees Federal Credit Union and received a federal charter on March 15, 1949. The original charter covered the employees of Pet Dairy Products Company in several southeastern states. we offer members a tremendous choice of financial products such as loans for almost every purpose.
  • HomeWorks Community Lending
  • 214 East Watauga Avenue, Johnson City, TN, 37601
  • We’re on a mission to fulfill housing needs for low to moderate-income families, making home ownership a reality for a multitude of people. Our mission is difficult - housing costs average about $82,000; unfortunately, the poorest sixty percent (60%) of Tennessee residents have average incomes of only $23,300.
  • Encore Lending Group
  • 206 Wesley St., Johnson City, TN, 37601
  • ENCORE LENDING we make your lending expectations our priority. We understand that teamwork between the lender, real estate agents, and insurance companies and title companies is required.When you are ready to better understand your financial choices in home ownership, contact the one Lender that specializes.
  • Riverview Credit Union Inc
  • 39 Acme Street, Marietta, OH, 45750
  • RCU was founded in 1968 originally to serve the lending needs of the employees of the Union Carbide Corporation, Mining and Metals Plant. Today, our field of membership includes any person who lives, works, worships, or attends school in the following counties: Washington, Noble, Morgan or Monroe.