USDA and FHA Pro and Con 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?



  • Voyage Federal Credit Union
  • 3823 S Kiwanis Circle, Sioux Falls, SD, 57105
  • Voyage Federal Credit Union has a continued legacy of personal service, small business, and community support. What began as two separate credit unions, Bell Federal Credit Union and Metz McKennan – with histories dating back to World War II – blossomed into a mutually respectful merger in 2011 that encouraged growth
  • Keystone Mortgage
  • 421 W 18th St, Sioux Falls, SD, 57105
  • Keystone Mortgage has been providing superior customer service to homeowners ever since incorporating in Sioux Falls in 1993. With over $60 million in funding each year, Keystone provides not only the very best loan options available to homeowners, but we also provide superior knowledge gained through years of experience.
  • CorTrust Mortgage
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  • CorTrust Mortgage has built a strong reputation as an outstanding mortgage banking firm, serving the lending needs of individual homebuyers throughout the upper Midwest, builders, and real estate professionals. We're a full service mortgage bank with an experienced staff offering expertise in every area of mortgage lending.
  • kstate CREDIT UNION (West Branch)
  • 601 McCall Rd, Manhattan, KS, 66502
  • At 9:00 P.M. on January 28th, 1946, our credit union was chartered as Manhattan CO-OP Credit Union and held its first monthly meeting of the Board of Directors. In an effort of helping even more Manhattan citizens, the credit union was moved to the university. The credit union changed its name to College Credit Union.
  • Community First National Bank
  • 215 S. Seth Child Road, Manhattan, KS, 66502
  • Community First National Bank was newly chartered on February 1, 2001 in response to the ownership change of several locally owned banks in the Manhattan market. We spent a great deal of time and put much thought into choosing our Community First name because it represents what we are all about; Community in the sense.
  • First State Bank & Trust Company
  • 1005 East 23rd Street, Fremont, NE, 68025
  • First State Bank & Trust Company We have been in business for 60 years as Fremont's only 100% locally-owned community bank. We began our work in Fremont in 1956 and take pride in the role we have played in the growth of our community. Moreover, we are deeply grateful for the trust and support we have received from you, our Customer and Friend, over
  • Mid-Tex Federal Credit Union
  • 3808 Highway 377 South, Brownwood, TX, 76801
  • Our credit union is your best place to borrow because you can borrow from the credit union for any worthwhile purpose at low rates. You'll find that loans are easier to obtain and also cost less. You are dealing with people you know. Loans are made to our members to meet a financial emergency, to finance cars, for appliances or home repairs.
  • Cen-Tex Manufacturing Credit Union
  • 4488 Hwy 377 South, Brownwood, TX, 76801
  • On November 6, 1979, the 3M plant manager, personal manager, and other staff members formed a board of directors and meet with the Texas Credit Union League to organize a new credit union to better serve the 3M community. The name Cen-Tex Manufacturing Credit Union was chosen to represent the bond shared by 3M employees.
  • CU Mortgage Direct, LLC
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  • First Bank & Trust
  • 2300 W 57th St, Sioux Falls, SD, 57108
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  • FIRST INTERNATIONAL BANK & TRUST
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