In 2026, the USDA loan limit in Chico, Butte County, CA, stands at $403,600, whereas the FHA limit for a single-family home is set at $472,030.
Utilize Lendersa®'s USDA loan calculator to compare the current USDA versus FHA best rates and determine the necessary income, credit, reserves, and documentation for qualification. With our comprehensive mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side to assist you in choosing the program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $403,600 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is dedicated to swiftly and seamlessly finding you the optimal USDA or FHA loan. Begin with one of three starting avenues to discover lenders that align with USDA loan programs tailored to your needs.
The USDA home loan, commonly referred to as a USDA rural development loan or USDA mortgage, is a government-backed loan by the Department of Agriculture, available solely in rural locations. Unlike FHA loans, which mandate at least a 3.5% down payment, a USDA loan does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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