USDA Vs. FHA Pro and Con comparison in Woodbridge, San Joaquin County, CA

In 2024, USDA loan limit in Woodbridge, county of San Joaquin, CA is $556,200 while FHA limit is $656,650 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2024 loan limits and downpayment requirments in Woodbridge, county of San Joaquin, CA

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

USDA and FHA loan options in Woodbridge, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Afco Financial Corporation
  • 5217 So McColl Rd, Edinburg, TX, 78539
  • We are a group of individuals that are uniquely different, we share a common goal and the like-minded belief that we can change the face of real estate through knowledge, experience, hard work, technology, honesty, integrity and by and giving back to our community. We are NOT centered around a presentation or sales pitch
  • Wallstreet Wholesale Lender LLC
  • 3111 W Freddy Gonzalez, Suite 225, Edinburg, TX, 78539
  • "WallStreet Wholesale Lender LLC is designed to help borrowers with their Mortgage Loan. Our platform allows borrowers to obtain wholesale rates in a retail market. Our Loan Officer are Licensed and educated. We obtain the best loan officers in Texas. Our requirements are for our Loan Officers to be educated, resourceful."
  • United Savers Trust Credit Union
  • 14159 Northwest Freeway, Houston, TX, 77040
  • United Savers Trust Credit Union was organized in April 1952, to provide competitive savings and loan programs to employees of Crutcher Resources. Today membership is open to corporations, associations and organizations within a ten mile radius of the Credit Union. Family members of USTCU members may also join the Credit Union
  • Transtar Federal Credit Union
  • 12930 Northwest Freeway, Houston, TX, 77040
  • Since 1951, TFCU has offered its members a variety of low-cost, quality financial services. Originally chartered for the Transco Gas Pipeline employees (now owned by The Williams Companies, Inc.), TFCU now serves not only its original employee group but also a number of other entities in the city of Houston
  • PrimeWay Federal Credit Union
  • 12811 Northwest Freeway, Houston, TX, 77040
  • PrimeWay is a not-for-profit financial cooperative with multiple branches, local to the Houston area (including Harris County, Fort Bend County and Washington County). At PrimeWay we believe that the best way to build strong communities is to help the families in our community create their own financial strength.
  • Allegiance Bank
  • 8727 W Sam Houston Pkwy N, Houston, TX, 77040
  • Allegiance Bank is a full-service Houston community bank focused on providing banking services primarily for small to medium-sized businesses, owners and individuals in the greater Houston and surrounding area and to their employees, families and friends. We focus on establishing long-term relationships and recognize that each customer is unique.
  • Capital ABC Funding Mortgage Inc
  • 14655 Northwest Fwy, Suite 129, Houston, TX, 77040
  • Capital ABC Funding Mortgage Inc will guide you through the process & make it worry-free to improve your interest rate & monthly payment. We can even help you pay down your balance more quickly for a comparable monthly payment. Our motto "Customer for Life" are not just words, we have done Real Estate & Mortgage loans to third generation families.
  • Hillcrest Capital LLC
  • 7676 Hillmont Street, Suite 105, Houston, TX, 77040
  • 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.
  • NewCity Mortgage
  • 16597 Village Dr, Houston, TX, 77040
  • New City Mortgage and the loan team have the experience, expertise, and loan programs that you need. Fast closings and more loan products make the difference. Our mission is to provide financing to help you buy the home you want, fast and also New City Mortgage has the experience, expertise, and loan programs.
  • Vantage Bank TX
  • 1801 South 2nd Street, McAllen, TX, 78503
  • Vantage Bank Texas is a community bank focused on meeting the financial needs of small-to-medium sized businesses. We specialize in business lending along with business cash management services Our Vision is to build a financial services company that will be relevant, competitive, profitable, and visionary.
  • Best Lenders LLC
  • 3725 Woodking Drive, Suite A, Houston, TX, 77043
  • Best Lenders We have the lowest mortgage insurance rates in the industry, and we offer up to 97% escrow fee waivers on most products. We offer Conventional, VA, FHA, Jumbo, USDA and refinance loans. We provide a transparent and stress-free lending process and also T.M. SCHALL is the founer of the mortgage company