USDA and FHA Pro and Con in Discovery-Bay, Contra Costa County, CA
In 2026, the USDA loan limit in Discovery-Bay, county of Contra Costa, CA, stands at $657,900, while the FHA limit for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to compare today's foremost USDA vs. FHA rates. It helps to determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, helping you select the best option for your financial circumstances in .
2026 Loan Limits and Down Payment Requirements in Discovery-Bay, Contra Costa County, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Options in Discovery-Bay, CA
Lendersa® is committed to securing the best possible USDA or FHA loan for you quickly and with ease. Select one of three pathways that connect you to matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the government's Department of Agriculture, is also called a USDA rural development loan or USDA mortgage, and is only available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans don't require any down payment.
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