In the year 2026, 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.
2026 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.
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.
Welcome Home Funding delivers the personal service of a local lender, leveraging the resources of a national brand. Currently operating in all 50 states & the District of Columbia, Welcome Home Funding branches have earned over 1200 Zillow reviews praising reliable preapprovals, ease of transaction, on-time closings & transparency & communication.
1151 Harbor Bay Parkway, Suite 136, Alameda, CA, 94502
Lends in California
Fresh Home Loan, Inc., “Independent Mortgage Brokers That Work for the People! ™ with Garrick Werdmuller at the forefront, is a team of expert mortgage brokers helping people finance their dream homes and secure their future. We carry out our work with great care for our clients and follow the philosophy.
California Real Estate Finance was established in 1988 with a very simple and straight forward business philosophy. The philosophy is to take the mortgage brokerage business to a much more professional status catering to A quality loans. The philosophy is simple. Give our clients great interest rates, great service
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.
1101 Marina Village Parkway, Suite 201, Alameda, CA, 94501
Lends in California
EZ Loans 4 Real Estate is a real estate and private money lender located in San Leandro, California. Founded in 2014 by Kevin Heslin, the company specializes in the origination of both residential and business purpose secured by Northern California real estate Specifically, EZ Loans 4 Real Estate originates loans to investors, borrowers.
At The Finance Group, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
1101 Marina Village Pkwy, Suite 201, Alameda, CA, 94501
Lends in California
At Levias Lending LLC. We are a full-service mortgage company based in Alameda, CA. We specialize in Home Purchase Loans and Refinance in Alameda. We also serve the surrounding cities in Alameda County. Whether you are buying a home or ReFinancing in the zip code 94501, we can help you realize your dream of homeownership
"UNIFI Group, Inc. is a leading real estate and mortgage brokerage servicing the Greater Bay Area since 1988.
Founded by the late Joyce T. Cheng, it was her experience as a young manager of an Oakland Chinatown bank that inspired a lifelong goal to empower the immigrant community with access to mortgage financing"
Whether you are a first time home buyer or looking for a reverse mortgage, EstaR Mortgage is here to help you accomplish your home mortgage goals. With 17 years of experience in the East Bay, EstaR is your trusted mortgage broker for Oakland, Alameda, San Leandro and beyond. We are licensed in California, Oregon, and Washington.
We have Over 20 Years of Commercial & Residential Lending Experience at Niche-Loans. Great Network Relationships with Conventional Banks and Lenders, Bridge and Private Money Lenders, etc. Able to work through Complexed Deal Situations even in this current challenging lending market. Fast Answers, Great and Reliable Service and Willing to go the Ex
