USDA Vs. FHA Pro and Con comparison in Albany, Alameda County, CA
In the current year of 2026, the USDA loan limit applicable in Albany within the county of Alameda, situated in the state of CA, is set at $776,600. In comparison, for a single-family home, the FHA loan limit is determined as $1,089,300.
Employ the Lendersa® USDA loan calculator to evaluate and contrast the prevailing USDA and FHA best rates available today. It will also help you ascertain the required income levels, credit score requirements, reserve necessities, and any necessary documents to qualify. With our state-of-the-art mortgage calculator, you can view USDA, FHA, Conforming, and VA options alongside one another, assisting you in selecting the most appropriate program in tailored to your specific financial circumstances.
2026 Loan Limits and Down Payment Requirements in Albany, Alameda, CA
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Albany, CA
The mission of Lendersa® is to provide you with the optimal USDA or FHA loan swiftly and without unnecessary complications. You can begin with one of three suggested options, each designed to connect you with suitable lenders and USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is a government-supported loan offered by the Department of Agriculture. This loan type is exclusively accessible in rural areas and, unlike FHA loans, which require a minimal down payment of 3.5%, the USDA mortgage allows for home purchasing without any necessary down payment.
"In 2006, Ed and Bernie stepped out in faith and started Solid Rock Home Loans, with a vision to bring honesty and excellence to the mortgage lending in Hawaii.
In 2019, Solid Rock Home Loans celebrates their 13 year anniversary having the honor to help many families dreams come true through homeownership."
HI Velocity Mortgage was started with the vision to offer great rates with exceptional service. We strive to simplify the mortgage process while tailoring to your specific financial goals. and also HawaiiVALoans. He has a wide variety of experience finding his clients’ needs and helping them fulfill their home buying goals.
"House of Finance, Inc. was licensed on July 27th, 1995 as an Industrial Loan Business by Mr. & Mrs. Roland and Evelyn Casamina.
Mr. Casamina, who is the current President and Chief Executive Officer of House of Finance, Inc., founded the company to service the people of the State of Hawaii when it came to the purchasing.
At Money Options Inc, 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 . on your behalf to help you achieve your dream of homeownership.
Riverview Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.
· Ultra Low “Wholesale Mortgage Rates” for Refinances and Purchases!
· Over 200 1st Party 5 Star Online Reviews!
· Company and Head Broker vetted by Hawaii's Channel 2 TV News and named “The Local Mortgage Expert”
· Expertise.com AWARD FOR BEST OF BEST BROKER in California & Hawaii!
· A+ Rated and Accredited with the Better Business Bur
1888 Kalakaua Avenue, Suite C312, Kailua, HI, 96815
We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages. We are based in Hawaii, and concentrate on Hawaii only. Broker support available 8am to 8pm. Company updates on current and future compliance issues
Woodsboro Bank was established in 1899 in response to the growing agricultural, commercial and residential needs of the community. We’re headquartered in a historic three-story, pressed red brick Italianate structure at 5 North Main Street in Woodsboro, that was constructed specifically for the bank in 1901.
Intracoastal Bank is a locally owned and operated community bank. Intracoastal Bank opened in 2008 with the goal of supporting the community by building strong and lasting relationships with our clients. The Bank was established by a team of local residents and business owners with long-standing ties to the community.
