During 2026, the USDA loan limit in Arden-Arcade, Sacramento county, CA, is set at $540,000. Meanwhile, for a single-family home, the FHA limit is $763,600.
Utilize Lendersa®'s USDA loan calculator to evaluate current top USDA versus FHA rates. Determine the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loan options side by side to help identify the best option for your financial situation in
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| Loan Type | Maximum Limit | Down Payment |
| USDA | $540,000 | 0% |
| FHA | $763,600 | 3.5% |
| Conventional Conforming | $763,600 | 3% |
The objective of Lendersa® is to secure the best USDA or FHA loan for you quickly and easily. Select from three starting points that match you with suitable lenders and USDA programs.
A USDA home loan, backed by the government Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is accessible only in rural areas. In contrast to FHA loans that require at least a 3.5% down payment, USDA mortgages do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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