USDA and FHA Pro and Con in Berkeley, Alameda County, CA
As of 2026, the USDA loan limit in Berkeley, part of Alameda County in CA, is set at $776,600, whereas, for a single-family home, the FHA limit is $1,089,300.
Use Lendersa®'s USDA loan calculator to contrast the top rates between USDA and FHA loans today and understand the necessary income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, helping to determine the ideal program for your financial needs in .
2026 Loan Limits and Down Payment Requirements for Berkeley, Alameda County, CA
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Your USDA and FHA Loan Options in Berkeley, CA
The objective of Lendersa® is to ensure you obtain the best USDA or FHA loan promptly and effortlessly. Start by selecting one of three available paths to find matching lenders and align with USDA loan programs.
USDA home loans, commonly referred to as USDA rural development loans or USDA mortgages, are guaranteed by the government Department of Agriculture and are available exclusively in rural communities. Unlike FHA loans that demand a minimum 3.5% down payment, USDA loans eliminate this requirement altogether.
Kings Peak Credit Union has been serving the residents of the Uintah Basin since 1955. It is our mission to serve our members with the best financial service. and also Kings Peak Credit Union was formed to help local people with their financing needs; that is still true today. Our Board of Directors are focused on helping our members.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in Idaho, Our team specializes in Southeast Idaho, including Idaho Falls, Pocatello, Rexburg, Rigby, and Blaclfoot. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt
InterWest Mortgage, who recently merged with Eagle Bank & Trust, has built a strong reputation as an outstanding mortgage company. Under the leadership of SVP/Branch Manager Joni Kepler, InterWest has regularly been recognized as one of Idaho Falls’ and Bonneville County’s top lenders.
We have built a strong reputation as an outstanding mortgage lender, serving the needs of homebuyers throughout the state. We’re a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending…from purchase to refinance to construction lending.
At Good Deeds Mortgage, your loan will never be just another transaction. It’s what gets you and your loved ones into the home of your dreams. But it doesn’t stop there, it also provides shelter for the homeless, feeds starving children, helps mothers in need, and much more. We would be honored to have the opportunity to help find you.
At HomeQuest we understand that each loan is as unique as each person we meet. Experience and hard work along with a network of lending entities allows us to find the best loan products for each individual. Whether you are working full-time, retired, or are self-employed we have specific programs designed for your situation.
At KDA Financial, we work with clients in a variety of financial situations, assisting with everything from conventional home loans that offer a fixed rate 30 year mortgage with 20% down, to services for people who may be qualified for specific types of loans, such as VA and FHA loans.
1550 E. McKellips Road, Suite 117, Mesa, AZ, 85203
Our goal is to be the lender of choice for the professional real estate agent and their clients in each market we enter, as measured by all industry service level surveys reported. We will succeed by meeting the needs of our borrowers through exceptional communication and transparency throughout the loan process
We make Hard Money loans Not So Hard Money® by bringing lower rates and fees to our niche in ways that other organizations can't or won't do. We take your loan requests with earnest consideration, in an effort to provide the funding you need. Serving the Commercial Real Estate Equity loan marketplace, we provide both direct lending
Since 1923, we have built our reputation as a provider of financial solutions, a concierge of professional connections, and a partner in community service. First Financial Northwest Bank - providing personalized service that drives us to deliver Unique, Innovative financial solutions across 15 branches in King, Snohomish and Pierce County.
Since 1956, GRANCO Federal Credit Union has been providing friendly member service in Ephrata, Moses Lake and the surrounding area. The cooperative philosophy that started the credit union still rings true today. GRANCO will consider a member’s credit score, but will not deny any loan due to credit score alone.
