In 2026, the USDA loan limit for Castro-Valley in Alameda County, CA, is $657,900, while the FHA threshold for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates and identify the required income, credit, reserves, and documents for qualification. With our advanced mortgage tool, you can compare USDA, FHA, Conforming, and VA loan options side by side, assisting you in determining which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The aim of Lendersa® is to ensure you obtain the best available USDA or FHA loan efficiently and without trouble. Choose one of three paths to connect with lenders and explore suitable USDA loan options.
A USDA home loan, guaranteed by the government through the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, is exclusive to rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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