In 2026, the USDA loan cap for Ceres in Stanislaus, CA is set at $412,000, whereas the FHA limit for a single-family home is $517,500.
To compare today’s leading USDA and FHA rates, leverage the Lendersa® USDA loan calculator. This tool also identifies the income, credit requirements, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a comprehensive comparison of USDA, FHA, Conforming, and VA loans side by side, aiding in selecting the best program tailored for your financial needs, especially if you are in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $412,000 | 0% |
| FHA | $517,500 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The primary aim of Lendersa® is to swiftly help you secure the most favorable USDA or FHA loans without hassle. Start your journey by choosing one of three pathways that enable you to connect with matching lenders and suitable USDA loan programs.
A USDA home loan, often called a USDA rural development loan or USDA mortgage, is a government-backed program via the Department of Agriculture. It is designated for rural areas only, differing from FHA loans that require a 3.5% minimum down payment. USDA loans offer a significant advantage by not requiring any down payment, thus presenting an accessible financing option.
Enter your location to find out if it qualifies for USDA rural housing loan?
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