USDA Vs. FHA your options comparison in Woodland, Yolo County, CA

As of 2026, the USDA loan cap in Woodland, situated in Yolo, CA, is set at $540,000, whereas the FHA cap for a single-family home is $763,600.

Utilize the Lendersa® USDA loan calculator to effectively contrast the top USDA and FHA rates available today. This will help ascertain the required income, credit, reserves, and documents for eligibility. Our comprehensive mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the ideal program in for your unique financial scenario.

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Loan Limits and Down Payment Requirements for 2026 in Woodland, Yolo, CA

Loan Type Loan Limit Down Payment
USDA $540,000 0%
FHA $763,600 3.5%
Conventional Conforming $763,600 3%

Exploring USDA and FHA Loans in Woodland, CA

The objective of Lendersa® is to connect you promptly and efficiently with the most suitable USDA or FHA loan. Choose from one of three entry points that facilitate connections with lenders and USDA programs tailored to your needs.

  1. Submit a detailed request for USDA/FHA loan fine-tuning
  2. Investigate USDA and FHA rates & conditions in advance
  3. Browse through the most extensive USDA loan lenders directory
Results of Lendersa's USDA loan request and matching

An Overview of USDA Loans in CA

A USDA home loan is backed by the U.S. Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. It is specifically available for homes in rural areas. Unlike FHA loans that require a down payment of at least 3.5%, USDA loans have no down payment requirement.

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  • Peoples Credit Union
  • 125 Main Street, Springfield, CO, 81073

  • Peoples Credit Union began on October 22nd, 1956 when the frustration of many of the area's local farmers and ranchers of Baca County, Colorado was increasingly mounting due to the inability of the local financial institutions, of that time period, struggled to fully service the financial needs of southeastern Colorado's farm and ranch communities.

  • Sentinel Federal Credit Union
  • 22752 Mule Deer Trail, Box Elder, SD, 57719

  • Sentinel Federal Credit Union has been guarding and protecting the financial well-being of our members since 1955. As a community Credit Union, many of us were born and raised in the communities that we serve. Because of that, we make our decisions right here at the Credit Union. Some places have local branches. We have local roots.

  • Eastern Colorado Bank
  • 10 South First Street, Cheyenne Wells, CO, 80810

  • The Eastern Colorado Bank strives to be the leader among financial institutions in terms of quality service, sustainable growth, profitability, and the credibility and trust of our clients, regulators and employees.

    Since our start in 1944, our dedicated staff has focused on business professionals, small businesses

  • Western Bank of Wolf Point
  • 111 3rd Avenue South, Wolf Point, MT, 59201

  • Western Bank of Wolf Point is a locally owned bank that will serve its constituency with integrity & commitment for the well-being & survival of our community. The bank contributes pro-active leadership & human resources to help our community. The bank provides the necessary products & services to accommodate the diverse needs of our customers.

  • Wolf Point Federal Credit Union
  • 217 Third Avenue South, Wolf Point, MT, 59201

  • WOLF POINT FEDERAL CREDIT UNION: received it's federal charter in 1963 with charter #15375. The original Board of Directors had seven members, which remain true today. Credit unions are association of people, owned and democratically controlled by their members. Should they cease to be such, they cease to be credit unions

  • Nebraska State Bank
  • 218 Main Street, Oshkosh, NE, 69154

  • In the last 100 years, Nebraska State Bank has gone from an ag bank serving farmers in Western Nebraska, to an FSA loan specialist serving ag operations nationwide.

    And when you meet our lobby staff, you’ll find competent, friendly folks who take pride in knowing our customers, and take care of you like you’re our own.

  • CO-NE Federal Credit Union
  • 113 Cedar Street, Julesburg, CO, 80737

  • The Credit Union was chartered on February 2, 1966, as the J-O-S Schools Federal Credit Union (Julesburg-Ovid-Sedgwick). The name was changed to Sedgwick County Federal Credit Union on 10-11-67 when it became community chartered. When people from Nebraska asked to join, the charter was expanded to include Deuel County in Nebraska.

  • First State Bank of Golva
  • 410 Terrell Ave, Golva, ND, 58632

  • First State Bank of Golva, Beach, Medora celebrates 100 years of community service. The First State Bank of Golva, Beach, and Medora have a commitment to the community, sharing a common past continuously since 1914. First State Bank offers full, friendly service for all your banking needs at competitive rates by local people who care.

  • Western Bank of Artesia
  • 320 West Texas Avenue, Artesia, NM, 88210

  • Western Bank of Artesia, New Mexico was chartered and opened for business as Peoples State bank on August 2, 1948 on the Calvin Dunn property located at 4th and Quay in Artesia, New Mexico, the same location that the bank occupied from 1948 to 2000. The bank was first housed in temporary quarters in a small sheet iron building.

  • Artesia Credit Union
  • 210 North Fifth Street, Artesia, NM, 88210

  • Artesia Credit Union is a member-owned, cooperative, non profit financial services institution founded and operated to encourage thrift among its members, create a source of credit at a fair and reasonable rate of interest, and provide an opportunity for its members to improve their economic condition in a friendly manner.

  • First American Bank
  • 303 W Main St, Artesia, NM, 88210

  • First American Bank serves New Mexico with sixteen full service locations in fourteen communities and mortgage offices in Ruidoso, NM, and Rio Rico, AZ. Over the past century, First American Bank has remained true to its mission by providing a full spectrum of financial services; building lasting customer relationships
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