USDA and FHA Pro and Con in Willits, Mendocino County, CA

In the year 2025, the USDA loan limit within Willits, in the county of Mendocino, CA, is $420,000, whereas the FHA limit for a single-family dwelling is $546,250.

Utilize the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates. This will also aid in identifying the necessary income, credit, reserves, and documents for qualification. Our state-of-the-art mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, enabling you to determine which is the ideal choice for you in .

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Loan limits for 2025 and down payment needs in Willits, county of Mendocino, CA

Loan Type Loan Limit Down Payment
USDA $420,000 0%
FHA $546,250 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA loan alternatives in Willits, CA

The mission of Lendersa® is to swiftly secure you the most advantageous USDA or FHA loan without unnecessary delays. Start with any of the three methods to find matching lenders along with viable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, backed by the United States Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively accessible in rural locations. Contrasting with FHA loans, which necessitate a minimum down payment of 3.5%, the USDA mortgage loan requires no down payment at all.

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



  • FlexPoint Mortgage Corporation
  • 151 Kalmus Drive, Suite D-102, Costa Mesa, CA, 92626
  • FlexPoint Mortgage Corporation We are a conglomerate of mortgage professionals that are knowledgeable and understand what it takes to fund loans as quickly and seamlessly as possible. Most importantly, we are known for our experience and service. We work to simplify the lending process while keeping you informed, up to date.
  • Lending Corner Inc
  • 940 South Coast Drive, Suite 155, Costa Mesa, CA, 92626
  • The Lending Corner Team is composed of true mortgage professionals. All of our originators are principals in the company carrying over 10 years experience and work together to provide you a level of service and professionalism unsurpassed in the industry. Whether you are financing a new home purchase or refinancing an existing loan.
  • Bayfront Lending LLC
  • 3001 Red Hill Avenue, Building 2, Suite 219, Costa Mesa, CA, 92626
  • "Bayfront Lending, we believe you deserve a team of experienced professionals who have your best interest in mind, not a sales commission. And we understand that quality customer service and a streamlined process are just as important as the best rate and most favorable loan structure"
  • Prominent Lending Group Inc.
  • 600 Anton Boulevard, Floor 11, Costa Mesa, CA, 92626
  • Prominent Lending Group, Inc., enjoys assisting current and prospective homeowners in obtaining residential 1st and 2nd home loans on 1 to 4 unit primary, secondary, and investment properties throughout the states of California and Montana. Our dedicated mortgage professional teams work hard to deliver the highest customer service.
  • Loan Direct LLC
  • 245 Fischer Ave, Suite A5, Costa Mesa, CA, 92626
  • Loan Direct LLC mission is to serve our clients with the upmost honesty, integrity and competency. Our goal is to provide home loans, personal loans, and business loans to our clients while providing them with the most lending options for their particular situation. Furthermore, we pledge to help borrowers overcome roadblocks.
  • Loan Frenzy Corporation
  • 1503 S Coast Drive, Suite 211, Costa Mesa, CA, 92626
  • Loan Frenzy Corporation Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Nation Home Loans
  • 2285 Avalon Street, Costa Mesa, CA, 92626
  • Nation Home Loans, a mortgage company based in Costa Mesa, California, specializes in Conventional, VA, and FHA financing. We take pride in providing our clients with outstanding customer service. Our knowledgeable mortgage experts update you regularly throughout the loan process so you always know the status of your loan.
  • Sterling Financial Inc.
  • 949 South Coast Drive, Suite 570, Costa Mesa, CA, 92626
  • Sterling Financial, Inc. is a residential mortgage lender located in Orange County, California. The foundation of the company is built upon the idea that every individual client’s mortgage transaction deserves our absolute attention and dedication. Our company’s mission is to help every client achieve their home loan goals
  • OC Mortgage Solutions Inc.
  • 600 Anton Blvd, Suite 1100, Costa Mesa, CA, 92626
  • OC Mortgage Solutions is a 2013 company that has over 17 years of experience in the Mortgage industry. We are a wholesale broker located in Orange County California. We know what it takes to get your loan funded and on time.Our mission is to provide you with an honest evaluation of mortgage needs
  • United American Mortgage
  • 3198-F Airport Loop Drive, Costa Mesa, CA, 92626
  • We are a 100% referral based company with sole focus on our clients and their financing needs. We provide valuable financing solutions for not only our homeowner clients but for our business partner clients who include Real Estate Agents, CPA’s, Financial Advisors, Bankers, and Attorney’s.