USDA Vs. FHA your options comparison in Bay-Point, Contra Costa County, CA
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.
2026 Loan Limits and Down Payment Requirements in Bay-Point, County of Contra Costa, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
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.
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.
Founded in 1919, Presence Bank is a state-chartered FDIC bank that provides the most up-to-date financial products and services accessible online or in person. We offer deposit and loan accounts for every stage of life, so individuals and families can count on building a relationship at a bank they can trust for years to come.
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Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
First Northern Bank & Trust Co, originally founded in 1907 as First National Bank of Palmerton, is the sole-subsidiary of Palm Bancorp, ( a unitary bank holding company). We are now a Fed-Member, State chartered bank with11 branches in four counties across Northeast Pennsylvania, including Monroe, Carbon, Lehigh and Northampton.
7741 Market Street, Suite E, Wilmington, NC, 28411
At Azalea Coast Mortgage. Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates and fees available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically
Port City Mortgage (PCM) was founded on the premise that all customers want and deserve an honest, “no pressure” experience when shopping for a mortgage. PCM does just that for our customers. We disclose in writing all fees and costs associated with the interest rate we quote you, and why the rates we offer are lower than our competitors.
Community Credit Union Florida is a not-for-profit financial institution on a mission to improve the financial well-being of our members & make a positive difference in the community. We strive to offer excellent personal service complemented by convenient online and mobile services that let you manage your money
Morgan Financial has built a strong reputation as an outstanding mortgage lender; serving the lending needs of real estate professionals and individual homebuyers throughout the state of Florida. We believe in providing a smooth transaction for our clients as well as maintaining client focused throughout the entire loan process.
The Neffs National Bank is an independent community bank that takes pride in being community-oriented and providing quality customer service From its modest beginning, the growth of the bank has been influenced by the prosperity of the local communities. Individuals and businesses continue to contribute to promoting community-oriented.
Remington Federal Credit Union has been open since 1937. The credit union has assets totaling $54.2 Million and provides banking services to more than 4, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
