USDA and FHA Pro and Con in Clayton, Contra Costa County, CA

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 for your financial situation.

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Loan limits and down payment requirements for 2026 in Clayton, Contra Costa, CA

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Explore USDA and FHA loan possibilities in Clayton, CA

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.

Lendersa USDA loan request and matching results

An Overview of USDA Loans in CA

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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