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

In the year 2025, the loan limit for USDA in Alameda, within Alameda county, CA, is set at $776,600. Conversely, the FHA limit for a single-family residence is $1,089,300.

Leverage Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates. Determine the income, credit standards, reserves, and necessary documentation for qualification. Our comprehensive mortgage calculator allows you to compare USDA, FHA, Conforming, and VA side by side, facilitating the best financial decision for residents.

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2025 Loan Limits and Down Payments in Alameda, Alameda County, CA

Loan Type Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional $1,089,300 3%

USDA and FHA Loan Choices in Alameda, CA

Lendersa® is focused on securing you an ideal USDA or FHA loan quickly with ease. Choose one of the three approaches that match you with suitable lenders and USDA loan offerings.

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Understanding USDA Loans in CA

A USDA home loan is backed by the USDA (Department of Agriculture) and available only in rural regions. It differs from FHA loans by not requiring a 3.5% minimum down payment, offering a zero-down alternative.

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



  • Life Capital Lending Group, Inc.
  • 1820 N. Corporate Lakes Blvd, Suite 207-6, Weston, FL, 33326
  • Life Capital Lending Group, Inc., offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. 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,
  • EXPRESS LENDING SERVICES, INC.
  • 2111 N. Commerce Parkway, Fort Lauderdale, FL, 33326
  • Express Lending Services is a mortgage company that is founded with over 28 years of Industry Experience. The company’s CORE Values are centered on providing exceptional client experience to both our mortgage clients and business partners. We've been helping customers afford the home of their dreams for many years and we love what we do.
  • Mortgage Advantage Lending
  • 745 Shotgun Road, Fort Lauderdale, FL, 33326
  • Mortgage Advantage Lending is a full-service mortgage lender serving the states of Florida and Connecticut. Our professionals have decades of combined experience in the prime, non-prime and government mortgage industries. With a direct relationship with the top lending institutions in the country,
  • Florida Mortgage Solutions Group
  • 1625 North Commerce Parkway Suite 105, Weston, FL, 33326
  • Florida Mortgage Solutions Group is Direct Lender and Mortgage Broker in Weston, FL. We provide financing to home buyers and seasoned investors! We are approved and experienced with FHA Loans, Fannie Mae, Freddie Mac, and especially VA Loans. We are here to help you from beginning to the end. Our wholesale rates and competitive pricing.
  • Prime Lenders Mortgage Corp.
  • 1555 North Park Drive Suite 102, Weston, FL, 33326
  • Prime Lenders is celebrating 20 years in business! We have been successfully helping Florida Home Buyers with finding the perfect Home Financing Solutions since 1993. Rated A+ by the Better Business Bureau, Glenn Gordon and his team will provide service with Honesty, Reliability and Integrity.
  • HG Mortgage LLC
  • 1820 N Corporate Lakes Blvd. Ste 304, Fort Lauderdale, FL, 33326
  • At HG Mortgage our vision is to become the industry lender of choice among homeowners. To be regarded as the most reliable, caring and goal oriented Mortgage Company by providing quality service and building personalized relationships based on the value we bring to our clients. HG Mortgage is a company led by professionals like Hermes Garcia.
  • Angel Oak Home Loans
  • 1950 N. Commerce Parkway, Suite 6, Weston, FL, 33326
  • Angel Oak Home Loans is a national mortgage lender based in Atlanta, GA providing innovative mortgage products tailored to borrowers'​ home financing needs. Angel Oak’s lending practice was founded upon core principals of providing consumers with a variety of mortgage products that are tailored to meet their home financing needs.
  • DML Lending
  • 2246 84th street, Suite 1A, Brooklyn, NY, 11214
  • DML Lending is a family owned and operated by a group experienced and knowledgeable real estate lenders that help local real estate investors become successful. DML provides short-term (12 months) loans to a variety of independent real estate developers and investors across the country.
  • Quentin Realty Capital
  • 43 9th st, Brooklyn, NY, 11215
  • Quentin Realty Capital A Direct Private Lender You Can Trust ​ With our low interest rates & fees, we are the ideal choice for real estate investors nationwide seeking to minimize loan costs and maximize their capital gain. Our professional team has transformed the loan process to a smooth and straightforward experience. 10 day closings!
  • NYM Federal Credit Union
  • 501 Sixth Street, Suite 2E|2F, Brooklyn, NY, 11215
  • The Credit Union was established in 1967 by eight employees who represented the Personnel Committee of the Methodist Hospital. At its first Annual Meeting, it was stated that the credit union would be a safe and sound alternative to the banking community, to allow employees and their families to save and to borrow with confidentiality.
  • Transit Authority Division B FCU
  • 3961 10th Avenue, Room 230, New York, NY, 10034
  • Since its inception in 1935 the Transit Authority Division B Federal Credit Union has been serving its members in the NEW YORK, New York area with exceptional financial products. Currently led by Robert Potter, the Transit Authority Division B FCU has grown its membership to over 1, 785 with assets of more than $5, 903, 219.
  • Sing Sing Employees Federal Credit Union
  • 2 Church Street, Suite 204, Ossining, NY, 10562
  • SSEFCU is a member-owned financial cooperative providing financial banking services to multiple employee groups, but primarily serves select state, and local government employees. Membership is also open to immediate family of current members. We offer banking services like savings, checking, and loan accounts; with great rates and lower fees