USDA Loan Vs. FHA loan for Bay-Point, CA [Contra Costa County ]

For 2026, the USDA loan limit in Bay-Point, within Contra Costa, CA, is $657,900, while the FHA limit for a single-family home stands at $822,375.

Take advantage of the Lendersa® USDA loan calculator to directly compare the best rates available today for USDA and FHA loans. This tool helps you ascertain the necessary income, credit standing, reserves, and documentation for qualification. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the best fit for your financial situation, especially in Alabama.

Exploring USDA and FHA Loan Options in Bay-Point, CA

The mission of Lendersa® is to help you secure the best USDA or FHA loan swiftly and without hassle. Start with one of three approaches to connect with lenders and explore USDA loan offerings.

Loan Type	Loan Limit	Down Payment
USDA	$657,900	0%
FHA	$822,375	3.5%
Conventional Conforming	$822,375	3%

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, often referred to as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans have no down payment requirement.

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Bay-Point Lenders
(925) 709-4375 Lender's profile and map Golden Castle Loans 646 Port Chicago Hwy, Suite 5391, Baypoint, CA, 94565 Lends in California The GCL Team is committed to providing clients with the highest quality loan origination services combined with the lowest interest rates and closing costs possible. Whether you are looking to buy your dream home or refinance, our experienced mortgage professionals are here to work with you one on one to ensure your success.
(925) 222-9105 Lender's profile and map 3C Mortgage Group 340 Cumberland Street, Suite C, Pittsburg, CA, 94565 Lends in California At 3C Mortgage Group. We are a full-service mortgage company based in Pittsburg, CA. We specialize in Refinance in Pittsburg, Concord, and Antioch. We also serve the surrounding cities in Contra Costa County. Whether you are buying a home or refinancing in any of these zip codes: 94565, 94521, 94531,
(925) 439-2800 Lender's profile and map Anahuak Realty and Loans 333A East Leland Road, Pittsburg, CA, 94565 Lends in California We are a full service Real Estate Company. We are Bilingual speak English and Spanish We help people buy or sell a home, Condo, Townhouse or Mobile Homes. We help Investors with their purchasing needs We are a Professional Property Management Company We work with Landlords and can help Tenants find a property to rent.
(925) 305-8538 Lender's profile and map Accredited Brokers 4173 Cobblestone Dr, Concord, CA, 94521 Lends in California As an expert in the area, I bring a wealth of knowledge and expertise about buying and selling real estate here. It's not the same everywhere, so you need someone you can trust for up-to-date information. My mission is to provide the most professional, informative, loyal, and dedicated service in the industry.
(925) 287-9697 Lender's profile and map Acurus Home Loans 862 Deer Spring Circle, Concord, CA, 94521 Lends in California At Acurus Home Loans. We are a full-service mortgage company based in Concord, California. We specialize in senior communities, reverse mortgages, VA & manufactured homes throughout California. We serve our local communities in the greater San Francisco Bay Area as well as all of California where we can help you realize your dream of homeownership
(925) 609-5000 Lender's profile and map Pacific Service Credit Union 3000 Clayton Road, Concord, CA, 94519 Lends in California Pacific Service CU is a full-service financial institution serving anyone who lives, works, worships or attends school in Alameda, Contra Costa, Fresno, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano and Sonoma counties. Pacific Service CU has nearly 70, 000 members and over $1 billion in assets.
(925) 500-8083 Lender's profile and map Primary Real Estate Services 2818 Clayton Road, Concord, CA, 94519 Lends in California Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(800) 232-8101 Lender's profile and map Chevron Federal Credit Union 2300 Clayton Road, Suite 700, Concord, CA, 94520 Lends in California Chevron Federal Credit Union, established in 1935, is a financially sound and growing organization providing home, auto, and personal loans, checking and savings accounts, top-tier rates, and personalized service to over 130,000 members around the world. We are proud to be a company built by members for members. Headquartered in Oakland, California
(888) 663-9350 Lender's profile and map CU Lending 4071 Port Chicago Hwy, Suite 125, Concord, CA, 94520 Lends in California CU Lending has the ability to fund high loan volumes and enjoys full approval as an FHA Endorsed Lender, a VA automatic lender, Freddie Mac Seller/Servicer, Fannie Mae, CALSTRS and California Employees Mortgage (CEM) preferred lender. This gives the Credit Union the ability to offer its membership the most competitive and beneficial loan products.
(925) 338-7052 Lender's profile and map City 1st Realty and Financial Services 2300 Stanwell Drive, Suite A, Concord, CA, 94520 Lends in California City 1st Realty and Financial has been in the real estate services business in the Baton Rouge and Bay Area real estate markets for many successful years and will be here for many more. This longevity and confidence comes from our real estate services to a great many buyers and sellers.