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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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