USDA Vs. FHA your options comparison in Antioch, Contra Costa County, CA

In 2026, the USDA loan limit in Antioch, county of Contra Costa, CA, stands at $776,600. Meanwhile, the FHA loan limit for a single-family home is $1,089,300.

With the Lendersa® USDA loan calculator, you can conveniently compare today’s best USDA versus FHA rates. This aids in determining the necessary income, credit status, reserves, and required documentation for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side-by-side, assisting you in choosing the best program for your financial situation in .

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2026 Loan Limits and Downpayment Requirements in Antioch, County of Contra Costa, CA

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

Examining USDA and FHA Loan Options in Antioch, CA

At Lendersa®, our goal is to quickly connect you with the best possible USDA or FHA loan with minimal hassle. Start with one of three options, leading to matched lenders and USDA loan programs tailored to your needs.

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What is a USDA Loan in CA?

A USDA home loan is a government-guaranteed mortgage offered through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. These are specifically available in rural areas. Unlike FHA loans that mandate a minimum down payment of 3.5%, USDA loans require no down payment, making them especially appealing to qualifying borrowers.

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



  • Joel Hernandez
  • 277 Rancheros Dr, Suite 160, San Marcos, CA, 92069
  • we’re able offer a wide variety of home loan programs to help borrowers finance their home loan needs. From the first-time buyer looking for a low-down payment loan, to the seasoned investor looking to finance a 4-unit multi family home, we can help you. Because of our partnership with over 40 lenders

  • LoanStar Financial Corp. - Ignacio Ventura
  • 277 Rancheros, Suite 160, San Marcos, CA, 92069
  • LoanStar Financial is a mortgage company based in North San Diego County, CA. specializing in residential (Refi & Purchase) mortgages as well as commercial and construction loans. Ignacio Ventura has many years of experience in the residential, commercial & construction lending arena.

  • James Stanko - Lineage Lending
  • 750 Woodward St, Suite 7, San Marcos, CA, 92069
  • Jim Stanko is a JUMBO and FHA Reverse Mortgage Specialist located in Southern California. He and his firm, Lineage Lending, are Federally- and CA State-Licensed reverse mortgage brokers. Lineage Lending is a member of the National Reverse Mortgage Lenders Association, an association that requires high ethical standards from its members.

  • Stone Bridge Mortgage
  • 970 Los Vallecitos Boulevard, Suite 222, San Marcos, CA, 92069
  • Every one of our clients needs are different which is why we leverage our experience & expertise to help you find the right financing. We make sure every client understands their loan program & gets the best possible financing for their needs. Contact us today to get pre-qualified for your next home purchase or to refinance your current residence

  • Your Mortgage Shop
  • 516 Peach Way, San Marcos, CA, 92069
  • YMS specializes in eliminating mortgage insurance by leveraging relationships with Private Investors and Banks to obtain custom tailored loans for clients. Your Mortgage Shop is a trusted California premiere mortgage broker that adheres to the highest industry standards and is compliant with State Laws and Federal Regulations.

  • Infinity Home Loans Group
  • 77770 Country Club Drive, Suite A, Palm Desert, CA, 92211
  • Infinity Home Loans Group as well as a life time resident of the Coachella Valley, you can rely on me and my broad network of resources to make a REAL difference in your home buying process. Because of my 17 years of experience and the knowledgeable mortgage team that stands behind me, I'm an expert at connecting my customers to mortgage solutions.

  • Ronald Christopher and Associates Inc
  • 77734 Country Club Drive, Suite L2, Palm Desert, CA, 92211
  • Ronald Christopher & Associates is a boutique Real Estate & Mortgage office that was established in 2013, Veteran owned & operated by Ron & Tina Saporito. Meeting within the business many years ago, Ron & Tina discovered they both had the same drive & passion for the real estate & mortgage industry but wanted to offer their clients a more enhanced,

  • Power 1 Financial
  • 77570 Springfield Lane, Suite M, Palm Desert, CA, 92211
  • At Power 1 Financial has 20+ years of experience in the mortgage industry. As a Mortgage Broker we can offer many types of loan programs through a variety of lenders. Banks and Mortgage Bankers are only able to offer limited in-house loan programs. Our number one priority is focusing on making customers for life!

  • Boiko Mortgage Company
  • 42280 Beacon Hill, Suite D-3, Palm Desert, CA, 92211
  • BMC help you with all of your residential lending needs. Whether your goal is to finance your new home or business or Refinance an existing residential property, BMC is the only stop you need to make. A dedicated and committed mortgage and loan professional, Ira Boiko has the knowledge and experience to help you through the loan process.