USDA Vs. FHA Pro and Con comparison in Benicia, Solano County, CA
For 2026, the USDA loan ceiling in Benicia, situated in the county of Solano, CA, is $491,200. Conversely, the limit for an FHA loan on a single-family property is $685,400.
Make use of the Lendersa® USDA loan calculator to evaluate and compare the top available rates between USDA and FHA loans today. This will assist in determining the income, credit, reserves, and necessary documents required for qualification. With our advanced mortgage calculator, gain insight into USDA, FHA, Conforming, and VA options, allowing you to pinpoint the most suitable option for your financial needs in regions like Alabama.
2026 Loan Limits and Down Payment Requirements in Benicia, County of Solano, CA
Loan Type
Loan Limit
Down Payment
USDA
$491,200
0%
FHA
$685,400
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Benicia, CA
At Lendersa®, our aim is to help you secure the best USDA or FHA loan swiftly, without complications. Choose from three approaches to connect with lenders that match USDA loan options.
A USDA home loan is backed by the U.S. Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage. These loans are designed for rural communities only. Unlike FHA loans that necessitate a minimum down payment of 3.5%, USDA loans do not require any down payment.
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