In the year 2026, the USDA loan limit for August, which is part of San Joaquin county in CA, is set at $556,200. In contrast, the FHA loan cap for a single-family home stands at $656,650.
Utilize the Lendersa® USDA loan calculator to effectively compare today's optimal USDA VS FHA rates, and to understand the income, credit, reserves, and documentation required for eligibility. With our advanced mortgage calculator, you can view the USDA, FHA, Conforming, and VA options side by side, allowing you to choose the best program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $556,200 | 0% |
| FHA | $656,650 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to provide you with the ideal USDA or FHA loan quickly and easily. Choose from three starting points that connect you with matching lenders and USDA loan offerings.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is secured through the government's Department of Agriculture and is available solely in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, 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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