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.
14201 N 87th St, Suite C-135, Scottsdale, AZ, 85260
Since the year 2000, we’ve enjoyed the opportunity to help thousands of Americans achieve the dream of home ownership and financial peace of mind through our fast and simple loan process. We chose to go into business to help people by educating them through one of life’s most challenging processes and saving them REAL money.
9089 East Bahia Drive, Suite 101, Scottsdale, AZ, 85260
"LHM Financial, formerly CNN Mortgage, has been a full-service mortgage banker with an experienced staff offering knowledge in mortgage lending for over 20 years.
With access to a full range of mortgage sources, our licensed loan originators are dedicated to finding the right loan with the rates, terms, and costs to meet your unique nee
We offer creative lending solutions that fall outside the “box” of traditional bank and conventional lending sources. We are an equity based lender interested more in a borrower’s ability to pay going forward than any issues in the past. We offer lending solutions to assist borrowers in getting back to where they want to be.
7950 East Acoma Drive, Suite 108, Scottsdale, AZ, 85260
Our brokers have worked for some of the nations top lenders over a combined 30+ years in wholesale lending.During this time, we observed many of these companies were charging far too much to their customers.We decided that we could do better for the consumer.We can offer the same service, if not better & offer the same products for a much lower cos
14362 North Frank Lloyd Wright, Suite 1000, Scottsdale, AZ, 85260
Having worked for a few of the large banks & mortgage banking firms prior to starting Mortgage Quest in May 2000, Bob McCormick learned how & why these mortgage companies need to mark-up their rates that are offered to the public: large overhead expenses including office salaries, commissions several layers of management due to large staffing, etc.
7498 E Monte Cristo Ave, Suite 104E, Scottsdale, AZ, 85260
Talon Capital offers comprehensive yet customized mortgage solutions to our clients. Our strength lies in our detailed, personalized, and client-focused approach. Additionally, our extensive network of investors provides financing solutions for our clients in the most professional manner possible.
14301 North 87th Street, Suite 311, Scottsdale, AZ, 85260
At Acorn Mortgage Group, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
14362 N Frank Lloyd Wright Blvd, Suite 1112, Scottsdale, AZ, 85260
Hi Financial is Arizona's newest, premier mortgage broker. We serve the lending needs of Arizona Real Estate Professionals, individual home buyers & builders. With full access to FHA, VA, USDA, Conventional, Non-QM & Non-Delegated home loans, clients are served with the best products & rates, given their specific needs & goals!
