USDA Vs. FHA Pro and Con comparison in Windsor, Sonoma County, CA

In 2026, the USDA loan limit for Windsor in Sonoma, CA, is $763,200, while the FHA limit for a single-family home is $861,350.

Use the Lendersa® USDA loan calculator to evaluate today's best rates between USDA and FHA options. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the best program for your financial needs, notably in Alabama.

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2026 Loan Limits and Down Payment Requirements in Windsor, County of Sonoma, CA

Loan Type Loan Limit Down Payment
USDA $763,200 0%
FHA $861,350 3.5%
Conventional Conforming $861,350 3%

Exploring USDA and FHA Loan Options in Windsor, CA

Lendersa® aims to provide you with the best USDA or FHA loan quickly and effortlessly. Begin with one of three strategies to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

USDA home loans are guaranteed by the U.S. Department of Agriculture and often referred to as USDA rural development loans or USDA mortgages. Available only in rural areas, they require no down payment, unlike FHA loans which require at least a 3.5% down payment.

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



  • Ohio Capital Mortgage
  • 2531 Tiller Lane, Suite B, Columbus, OH, 43231
  • We provide personal, hands-on service from start to finish. With a variety of mortgage products, our experienced and knowledgeable team is able to offer the perfect solution for you. We are dedicated to making the lives of our customers better by providing a hands-on, personalized mortgage lending process.
  • Omniscient Real Estate Finance Corporation
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  • Omniscient Real Estate Finance Corporation is a true mortgage broker devoted to serving the needs of the community. Omniscient works with a variety of lenders to ensure we find the best loan options for your situation. Our program strives to strengthen communities by empowering individuals to become effective homeowners
  • Volunteer Federal Savings Bank
  • 108 Main Street, Madisonville, TN, 37354
  • Volunteer Federal Savings Bank will, both prudently and professionally, utilize its resources to ensure ongoing stability and fulfill the financial product needs and customer service expectations of individuals, families, businesses, and communities located within and around Monroe County, Tennessee.
  • First Choice Lending Services
  • 9821 Cogdill Road, Suite 2, Knoxville, TN, 37932
  • First Choice Lending Services can help you achieve your goals. To set up the right Knoxville, TN Mortgage plan for you, get in touch with us. At First Choice Lending Services, we have a better way. We try to build life-long relationships with our customers by giving them the best deal on their home mortgage, at the lowest rate.
  • Farmers and Merchants Bank
  • 2 First Street North East, Lafayette, AL, 36862
  • Farmers and Merchants Bank was established in 1934 and continues to operate in the same location in which the bank first opened its’ doors. Through the years the bank has modernized its' facilities and services to better serve its’ customers and fit into the community. We are a locally owned community bank and serve Chambers County
  • Tuskegee Federal Credit Union
  • 304 West Montgomery Road, Tuskegee, AL, 36083
  • TFCU is a not-for-profit cooperative of members who have the following common bond: 1. Affiliation with Macon County Board of Education & Tuskegee Institute. 2. Persons who reside, work or worship in Macon County, AL. 3. Members of the South East Alabama Self-help Association. 4. Members and employees of the Christian Methodist Episcopal Churches.
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  • 114 West Main St, Morehead, KY, 40351
  • The Citizens Bank of Morehead, Kentucky was organized September 25, 1928; original organizers being H. Vanantwerp, E. E. Maggard, C. E. Dillon, Squire Hogge and Frank Havens. The Citizens Bank was opened for business on Railroad Street, now First Street; across from the old C&O Train Depot.
  • Morehead Community Federal Credit Union
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  • At Morehead Community Federal Credit Union our members are owners, joined by the belief that we are investing in each other. We offer full-service banking with the goal to help members build a better financial future & we’ve been doing that since 1978 Morehead Community Federal Credit Union is the premier credit union of the Rowan County commu