USDA Vs. FHA Pro and Con comparison in Yountville, Napa County, CA

In 2025, the USDA loan limit for Yountville, situated in the county of Napa, CA, is $717,600. Meanwhile, the FHA ceiling for a single-family home is $1,017,750.

Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates, determining the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you examine USDA, FHA, Conforming, and VA programs side by side, helping you decide the most suitable option in for your financial scenario.

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2025 Loan Limits and Down Payment Specifications in Yountville, Napa, CA

Loan Type Loan Limit Down Payment
USDA $717,600 0%
FHA $1,017,750 3.5%
Conventional Conforming $1,017,750 3%

Exploring USDA and FHA Loan Opportunities in Yountville, CA

The mission of Lendersa® is to provide you with the best USDA or FHA loans quickly and without hassle. Choose from one of three starting paths that match you with suitable lenders and USDA loan programs.

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Understanding USDA Loans in CA

A USDA home loan, backed by the U.S. Department of Agriculture and known as either a USDA rural development loan or mortgage, is strictly available in rural regions. It distinguishes itself from FHA loans—which demand a minimum 3.5% down payment—by requiring no down payment.

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



  • Sunvest Mortgage Group LLC
  • 12794 Forest Hill Blvd, Suite 29, Wellington, FL, 33414
  • At Sunvest Mortgage Group, LLC we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Sunstate Mortgage LLC
  • 12769 Forest Hill Blvd, Suite 1A, West Palm, FL, 33414
  • sunny South Florida, we are committed to making the mortgage process as simple as possible help make your dreams of becoming a homeowner a reality and also We can place all types of mortgages including purchases, refinances, equity takeouts, debt consolidations, renewals and mortgages for self employed.
  • 5 Star Financial Group - Tampa Mortgage Lender
  • 1503 South US Hwy 301, STE 109, Wellington, FL, 33414
  • 5 Star Financial Group your resource for all your Tampa Bay mortgage and real estate needs. We offer many different types of home loan products along with many refinance options. Tampa Bay USDA loans are one of our biggest specialties. The USDA loan or rural development loan is a great program that can get you in a new home with no money down.
  • 1st Mortgage Solution
  • 420 FL-7 #174, Wellington, FL, 33414
  • 1st Mortgage Solution group, Inc is a mortgage Broker Company. we are licensed in Florida . we work to help you find the best refinance options for your individual needs We have partnered with some of the best Home Loan providers in the country to ensure that you receive the best refinance options available
  • Gold Star Mortgage Financial Group
  • 13889 Wellington Trace, Suite A2, Wellington, FL, 33414
  • Founded in 2000 and headquartered in Ann Arbor, MI, Gold Star Mortgage Financial Group, Corporation is a direct lender and one of the nation’s premier mortgage companies, originating billions in home loans across the United States. Named one of the fastest growing companies by Inc.
  • ShareStates
  • 8 Bond St #100, Great Neck, NY, 11021
  • Sharestates is an online real estate lending and investing marketplace connecting investors with developers and rehabbers seeking funding. Using proprietary technology, we acquire, fund, and service projects faster and at lower costs than traditional financing. We offer investors exclusive opportunities while providing borrowers fast, affordable ca
  • Iron Fund
  • 150 Great Neck Road, Suite 102, Great Neck, NY, 11021
  • Iron Fund is a Direct Capital Provider for loan officers, brokers, and third-party originators. Iron Fund specializes in Fix & Flips/ Bridge Loans, Ground- Up Construction, and 30-Year DSCR Loans. Our new broker platform provides a full technology suite with same-day loan approvals and secure document uploads.
  • Truen Associate Inc
  • 10 Cutter Mill Rd, Suite 202, Great Neck, NY, 11021
  • Truen & Michaels, LLC offers the best selection of bridge loans and conventional financing in all 50 states. No matter where your project is located, and what type of real estate project you are looking to finance, we can match you with the loan program which will help you achieve your goals.
  • HUDSON GROUP REALTY NETWORK; REAL ESTATE BROKERAGE & COMMERCIAL LENDING
  • 55 Northern Boulevard, Suite 400, Great Neck, NY, 11021
  • HGRN was formed in 2012 as a direct response to the need for clients to have access to the information they needed when buying or selling property. With the many programs in NY for first time homebuyers or for the information needed to complete a 1031 tax exchange, Hudson Group Realty Network Inc, is prepared to guide the client from inception.
  • Merita Capital Funding LLC
  • 45 Middle Neck Road, Suite 210, Great Neck, NY, 11021
  • 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.
  • Powerhouse Solutions, Inc.
  • 11 Grace Avenue, Suite 307, Great Neck, NY, 11021
  • Powerhouse Solutions, Inc. (PHS) is a NYS licensed banking entity that originates mortgage loans directly to consumers. As a direct lender, we have the highest level of integrity and a genuine caring and concern for our customers. At PHS we believe "Your Mortgage Solution Starts With Us.