USDA and FHA Pro and Con in Albany, Alameda County, CA
In the current year of 2025, 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.
2025 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.
6355 East Kemper Road, Suite 240, Cincinnati, OH, 45241
C4 Financial strives to provide our clients with the most comprehensive financing packages for commercial real estate projects. Our network of banking institutions, conduits, and life insurance companies allows us to offer competitive and creative financing solutions. Founded in 2004.
4015 Executive Park Drive, Suite 215, Cincinnati, OH, 45241
First Union Mortgage Group, LLC., 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.
In 1973, a group of Northern Kentucky University employees decided to create Northern Kentucky Educators’ Federal Credit Union. While we began as a credit union for NKU employees, we soon grew to include over 30 businesses and school districts.
We are proud of how much we’ve grown over the years, and are excited to see where the future takes.
General Electric Credit Union, being a member means more than just better banking. It means being part of a community with access to solid financial solutions that put YOU first, not shareholders.A not-for-profit, full-service financial institution, we’ve experienced significant growth throughout the years & continue to be one of the most secure.
We have over 37 years of combined experience helping people secure mortgage loans for their homes. Our loan programs include FHA, VA, USDA & more so you can be sure you’re choosing the right type of loan when you work with us. Prost Mortgage Group is a mortgage lender helping you make informed and confident decisions when securing a mortgage loan.
Greater Cincinnati Credit Union is a member-owned, not-for-profit financial cooperative institution. As such, we offer a broad range of personal financial products and services and are committed to satisfying the personal financial needs of our members in a professional and courteous manner.
8044 Montgomery Road, Suite 300, Cincinnati, OH, 45236
Sibcy Cline has been family-owned and operated since its founding in 1930. The current president, Robin (Sibcy) Sheakley, is the fourth generation of the Sibcy family to run the brokerage, which now has multiple offices serving over 1200 independent agents throughout Cincinnati, Northern Kentucky, Dayton, and Southeast Indiana.
8044 Montgomery Road, Suite 700, Cincinnati, OH, 45236
CORNOVUS CAPITAL streamlines the process of finding comprehensive financing solutions for commercial real estate and business owners nationwide. Supported by extensive knowledge and industry experience of its leadership, Cornovus Capital supports all financing needs of its clients from Acquisition, Refinance, and Reposition.
All Home Mortgages LLC is a Cincinnati based mortgage company. It's goals are to provide great rates, service, and communication to it's clients and referral partners. Whether looking to refinance or purchase, we will work hard to get you a great deal on your mortgage and educate you on the process.
