USDA Vs. FHA Pro and Con comparison in West-Modesto, Stanislaus County, CA
In 2026, the USDA loan cap in West-Modesto, within Stanislaus county, CA, is $354,100. For a single-family home, the FHA limit stands at $396,750.
Utilize the Lendersa® USDA loan calculator for a comparison of today's competitive rates for USDA versus FHA. Determine necessary criteria including income, credit, reserves, and documentation for qualification. Our comprehensive mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA programs, guiding you to choose the optimal one for your financial scenario in Alabama.
2026 Loan Limits and Down Payment Requirements in West-Modesto, Stanislaus, CA
Loan Type
Loan Limit
Down Payment
USDA
$354,100
0%
FHA
$396,750
3.5%
Conventional Conforming
$548,250
3%
Available USDA and FHA Loan Options in West-Modesto, CA
Lendersa® is committed to securing the most advantageous USDA or FHA loan for you promptly and with ease. Select from three initial approaches to match lenders with suitable USDA loan programs.
USDA home loans, also termed USDA rural development loans or USDA mortgages, are government-backed and available only in rural areas. They require no down payment, unlike FHA loans, which necessitate a 3.5% minimum down payment.
Upstar Home Mortgage Inc. is a trusted lender offering competitive home loans and refinancing solutions. With a customer-first approach, they provide personalized mortgage options, expert guidance, and a seamless loan process. Upstar helps clients achieve homeownership with flexible terms and great rates.
1101 Sylvan Avenue, Suite C-102, Modesto, CA, 95350
Lends in California
"At AMC, we believe how you get your mortgage matters. In 1968, fed up with the mechanization and lack of character in the mortgage industry, we decided to embark on something new.
We moved an industry typically reserved for big banks to a small business venue and it turns out we were on to something. Over the years we have grown"
Carrollton Mortgage Co are completely committed to helping you find the right mortgage to fit your needs. Our team of mortgage professionals will provide you with the information you need to make an informed decision. We put people first. You can enjoy a free personalized consultation by visiting or calling our offices.
1920 Standiford Avenue, Suite 2, Modesto, CA, 95350
Lends in California
Taylor Mortgage Company is a locally owned mortgage brokerage offering home loans at the current lowest rates and fees available on the market. As a mortgage broker, as versus a banker, Taylor Mortgage can offer financing plans and programs at rates, fees, and terms many other companies can't even dream of.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
1156 Scenic Drive, Suite 200 and 110, Modesto, CA, 95350
Lends in California
Scenic Oaks Funding was founded in 1992 in order to provide members of our community with a simpler way to buy a home. Our company continued to evolve and in 2010, we made the transformation from mortgage broker to mortgage banker for the same reason: to make home buying easier, more efficient, and more accessible.
We are the leading home loan lender in the Central Valley since 1987. We’ve worked hard to build a strong reputation as an out-standing mortgage firm serving our clients needs. You're on your way to finding the best loan at the lowest rate to finance your new home or refinance your existing mortgage.
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
SJ Morgan Private Lending Exchange is a company that matches borrowers who are seeking funds to purchase or refinance commercial or residential properties with private investors who are looking for solid real estate investment returns. Qualified investments are presented to the investor exchange.
Valley First Credit Union provides quality financial services to the growing and diverse communities of Calaveras, Fresno, Kings, Madera, Mariposa, Merced, San Joaquin, Stanislaus, Tulare, and Tuolumne Counties. We are a not-for-profit financial cooperative that is owned by our members.
