USDA VS FHA in Woodbridge, San Joaquin County, CA

For the year 2025, the USDA loan limit in Woodbridge, San Joaquin county, CA, is $556,200, whereas the FHA limit stands at $656,650 for a single-family residence.

Utilize the Lendersa® USDA loan calculator to compare the current top USDA and FHA rates and assess the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA programs side by side, aiding in selecting the most suitable option for your particular financial needs in Alabama.

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Loan limits and downpayment requirements for 2025 in Woodbridge, San Joaquin county, CA

Type of Loan Max Loan Limit Down Payment
USDA $556,200 0%
FHA $656,650 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan programs in Woodbridge, CA

The aim of Lendersa® is to quickly and easily get you the best USDA or FHA loan available. Choose from three starting points that link you to lenders and USDA loan programs.

Lendersa USDA loan request matching results

Understanding the USDA Loan in CA

The USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and is exclusively available in rural areas. In contrast to FHA loans, which have a minimum down payment requirement of 3.5%, USDA mortgages do not require any down payment at all.

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



  • Premier Community Credit Union
  • PO Box 8929, Stockton, CA, 95208
  • Premier Community Credit Union is a not-for-profit credit union serving our members with branches in Stockton, Lodi, and Manteca. Unlike a bank, a not-for-profit credit union is owned by its members and provides lower fees, better rates, and quality, personal service to its member/owners. Members enjoy unlimited online.
  • Financial Center Credit Union
  • PO Box 208005, Stockton, CA, 95208
  • Financial Center Credit Union is the largest credit union based in San Joaquin County. Established in 1954 by a small group of San Joaquin County employees, FCCU is a member-owned financial institution that offers a variety of services designed to help its members improve their personal finances.
  • ELITE FINANCIAL LENDING
  • 673 VASCONCELLOS AVE, MANTECA, CA, 95336
  • At Elite Financial, our collective goal advanced us to high standard in the mortgage industry by word-of-mouth referrals and mission What others can’t do Elite Financial can. For over 30 years, we've been a growing team from dynamic people with talent of 100% loan approval to trust, information security and privacy.
  • Elite Financial
  • 165 N Maple Ave, Suite 60, Manteca, CA, 95336
  • At Elite Financial Lending our clients’ goals are our first priority without compromise, we provide unparalleled service with expertise that will exceed your expectations whether you are needing to purchase a home or re-finance and we strive to ensure that each and every client is completely satisfied. This is our commitment to you.
  • Joe Villegas Group
  • 160 N Grant Ave, Manteca, CA, 95336
  • Since 1995, we have remained true to putting others first. Now with Loan Officers from coast-to-coast, we know it's the right way to do business and (in our humble opinion) the only way. We're dedicated to finding great rates & loan options for our customers while offering some of the fastest turn times in the industry.
  • Evans Mortgage Co
  • 6355 Riverside Blvd, Suite E, Sacramento, CA, 95831
  • Evans Mortgage Co. started in 1990. John and Marcia Evans set up their kitchen table with a simple phone line and fax machine, eager to help serve clients. It wasn't long before the company evolved into Evans & Grupp Mortgage and took up residence on Sutterville Road in Land Park. In the summer of 1993.
  • GFL Capital Mortgage
  • 1100 Corporate Way, Suite 210, Sacramento, CA, 95831
  • GFL Capital Mortgage was founded to assess current market conditions to find loan options that fit the needs of our clientele. Our goal is to provide exceptional service, comprehensible analyses and methodical recommendations for the individual. Our intermediary practice allows us to assist you.
  • Washington Financial
  • 5960 S. Land Park, Suite 1009, Sacramento, CA, 95822
  • Washington is a one-stop solution to your real estate and investment needs. We help individuals and organizations acquire and retain real estate assets. In today's market, you need to work with a company you can trust with professionals with in-depth knowledge of the market. We help you to finance your home through our Financial department.
  • Green Haven Capital
  • 5890 S LAND PARK DRIVE, Sacramento, CA, 95822
  • Green Haven Capital Inc. was established in March 2008 in Sacramento, CA. Our company works with some of the top mortgage and real estate professionals and our staff has over 40 years of combined experience. Green Haven Capital Inc. is a Mortgage Company that works with the top lenders in the country.
  • Commerce Financing Home Mortgage
  • 14670 Cantova Way, Suite 226, Rancho Murieta, CA, 95683
  • At Commerce Financing we pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique
  • Lend4less
  • 2209 Hartvickson Lane, Valley Springs, CA, 95252
  • Lend4less Inc is located in Valley Springs, CA, United States and is part of the Activities Related to Credit Intermediation Industry. Lend4less Inc has 4 total employees across all of its locations and generates $303,475 in sales (USD). Experience the Difference working with a highly skilled lender who cares about your needs