In 2026, the loan cap for USDA in Clayton, which is situated in the county of Contra Costa, CA, is $776,600 while the FHA limit is $1,089,300 for a single-family home.
You can use the Lendersa® USDA loan calculator to evaluate the best rates today, comparing USDA and FHA. You'll also be able to determine the necessary income, credit benchmarks, reserves, and documents for eligibility. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the most suitable program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The goal of Lendersa® is to secure you an exceptional USDA or FHA loan promptly and without complications. Choose from three different starting points that facilitate matching with lenders and USDA loan options.
The USDA home loan, backed by the government via the Department of Agriculture, is referred to as a USDA rural development loan or USDA mortgage. It's available exclusively in rural areas. Unlike FHA loans which mandate a minimum 3.5% down payment, USDA mortgage loans demand zero down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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