USDA and FHA Pro and Con in Carmichael, Sacramento County, CA
In 2026, the USDA loan ceiling for Carmichael, within Sacramento County, CA, is $540,000, whereas the FHA limit for a single-family home is $763,600.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA against FHA rates, determining the necessary income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on which program in suits your financial needs best.
2026 Loan Limits and Downpayment Requirements in Carmichael, Sacramento, CA
Loan Type
Loan Limit
Down Payment
USDA
$540,000
0%
FHA
$763,600
3.5%
Conventional Conforming
$763,600
3%
USDA and FHA Loan Choices in Carmichael, CA
Lendersa® aims to efficiently secure you the best possible USDA or FHA loan with minimal hassle. Choose from three starting options to connect with the right lenders and find USDA loan programs that fit your needs.
A USDA home loan, guaranteed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans do not require a down payment.
9009 Carothers Pkwy, Suite A-3, Franklin, TN, 37067
Wesley opened its doors with a simple goal in mind: getting good people into good homes. It sounded simple enough, but it’s been a long road to get here, and our team has moved mountains to bring this dream to life. Wesley Mortgage is your local mortgage company based
right here in Franklin, Tennessee.
We’re a group of mortgage professionals that got tired of working at large lenders and seeing them take advantage of their customer’s trust. That’s why we left, took our years of experience, and decided to create Patriot Mortgage Group.We are a mortgage broker. Mortgage brokers don’t work directly for any lender.
341 Cool Springs Blvd, Suite 100, Franklin, TN, 37067
FirstBank Mortgage, our core purpose is to help other people get to a better place.
That better place may be the fulfillment that comes by helping to pay for their kid’s college tuition, helping with medical bills of a family member, or going on that vacation that they used to think was impossible
At Bond Mortgage, we believe our personalized approach to mortgage lending guarantees you receive the home financing experience you deserve. Our versatile lending platform and experienced team enables us to simplify the loan process and focus our attention on your specific needs.
Music City Mortgage, Inc. is family owned and operated. We are available for you 7 days a week. We answer our phones and emails and can get you pre-approved morning, noon or evening. With over 25 years in the business, our team is committed to providing our clients with the highest quality mortgage services.
First National Bank of Pulaski is a Bank with operations in two states. First National Bank of Pulaski offers numerous mortgage programs including conventional, FHA, VA and construction mortgages As a community Bank with a commitment to help our neighbors, we promise you’ll enjoy convenience without getting lost in the shuffle.
For over 20 years, Elderlife has helped thousands of families transition loved ones into senior living. Typically families are focused on mom or dad’s health and selecting the best community based on their needs, leaving the financial aspect as an afterthought.
We are here to help you create a plan to pay for senior living.
Since 1977, Volunteer State Bank has been proud to bring an enriching banking experience to the people of Middle Tennessee. Since day one, we've been committed to providing personalized service, on top of value-added products offering to help our customers reach their life goals.
