Learning center
Loan Programs
Conventional, FHA, VA and USDA side by side — costs, limits and qualifying rules.
Overview
Program choice moves your payment more than shopping rate does. The same borrower and the same house can produce very different monthly numbers depending on mortgage insurance structure, funding fees and credit-score pricing. These guides compare the four major programs and the niche ones that matter in rural California — USDA zero-down, manufactured home financing and acreage properties.
Who this is for: Anyone deciding which loan program to apply under before writing an offer.
What you'll learn
- •Minimum down payment, credit and mortgage-insurance rules for each program
- •USDA income limits by household size and where rural eligibility applies locally
- •When FHA beats conventional — and when its lifetime MIP makes it the expensive choice
- •VA entitlement, funding-fee exemptions and reusing the benefit
2 guides in this topic
Loan ProgramsConventional, FHA, VA, USDA — How Do These Loan Programs Compare?
Loan programs have different costs and qualifying requirements. Here are some tips to help you choose what's best for you based on your qualifying criteria and the property. FYI-this…
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Loan ProgramsUSDA Rural Loan Program
The USDA Guaranteed loan program has income limits based on household size and location of the property . Currently as of 6/18/25 the low cost California county/metro area maximum annual…
Read the guide →Get a straight answer today
No credit pull to start, no sales pressure, and a real quote you can compare line by line against any bank or big lender.