In 2026, the USDA loan limit for Auburn-Lake-Trails in El Dorado county, CA, is $478,400. For a single-family home, the FHA limit is set at $598,000.
Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side to assist in identifying the best program for your financial situation in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $478,400 | 0% | |
| FHA | $598,000 | 3.5% | |
| Conventional Conforming | $598,000 | 3% |
Lendersa®'s aim is to secure you the best USDA or FHA loan quickly and smoothly. Choose one of three starting approaches to match with lenders offering USDA loan programs.
The USDA home loan, fully backed by the U.S. Department of Agriculture, is available under the USDA rural development loan or USDA mortgage name. It is meant for rural areas exclusively, unlike FHA loans, which require a minimum 3.5% down payment. USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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