USDA Vs. FHA your options comparison in Discovery-Bay, Contra Costa County, CA

In 2025, 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 .

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2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Diversified Loan Services, Inc.
  • 257 E Campbell Ave #3, Campbell, CA, 95008
  • Diversified Loan Services, Inc. (DLS) is committed to providing sound and secure trust deed investment opportunities for private individuals looking for higher rates of return on their investment. We value personal relationships and integrity in meeting our client’s investment needs.
  • Kal Financial
  • 2542 South Bascom Avenue, Ste. 130, Campbell, CA, 95008
  • Kal Financial offers many great resources on our website please make sure you get the following free resources such as how does the loan process work with Kal Financial? We have a Free Campbell California Mortgage Calculators or fill out a 100% FREE, No-Obligation, Secure Online Loan Application or give us a call at the office no.
  • NEXA Mortgage LLC
  • 6178 Cottle Rd, G8, San Jose, CA, 95123
  • NEXA Mortgage is a full-service mortgage broker. We offer every loan product known and have the ability to shop all loans for the best possible option for any consumer on a single visit. I NEXA's short 6 year history it has grown to become the largest Mortgage Brokerage in the nation with over 2,100 licensed mortgage loan originators.
  • Meriwest Mortgage
  • 5615 Chesbro Avenue, San Jose, CA, 95123
  • Meriwest Credit Union delivers financial value to individuals and small businesses in the Greater Bay Area of California and Tucson, AZ. We provide to those who are seeking above market rates on deposits, low loan rates, lower fees, product options and an experience that makes you feel confident about your decision to do business with us.
  • Lendson
  • 488 Blossom Hill Road, San Jose, CA, 95123
  • Lendson We have provided a financial mortgage calculator tool above to help the users understand the important of financial planning, so they can make a wise decision towards their mortgage need. and also We are built on a trust foundation with a clear understanding that trust is something we must earn every day. With our clients.
  • Alliance Group and Associates
  • 5450 Thornwood Dr Suite P, San Jose, CA, 95123
  • Alliance Group & Associates Inc. (AGAI) dba Alliance lending is broker company, AGAI team pays attention to details of every loan application, searching to find the most suitable mortgage for the clients. AGAI was first established in 2014 in San Jose, serving mortgage industry instate if CA
  • Spinner Mortgage
  • 205 DeAnza Blvd, Suite 269, San Mateo, CA, 94402
  • At Spinner Mortgage we treat every loan as if it were our own. Whether it’s a loan for an investment property, a construction loan, cash for college tuition, remodeling, or a first-time homebuyer’s mortgage, each situation is carefully evaluated and addressed in detail. The result is a loan custom-tailored to meet specific needs.
  • Become
  • 400 Concar Drive, San Mateo, CA, 94402
  • Become is an end-to-end financial optimization platform for SMBs. Its one-of-a-kind loan marketplace uses advanced algorithms to provide SMBs with customized funding offers to help them grow and successfully scale their business. In addition to its funding platform, Become’s BeProfit dashboard provides online SMBs with the tools.
  • Bay Mark Realty
  • 177 Bovet Road, Suite 100, San Mateo, CA, 94402
  • BayMark Financial, Inc. is a small, but efficient, full service mortgage brokerage firm located in the heart of the San Francisco Peninsula, specializing in the origination and servicing of short-term Trust Deed Notes. BayMark Financial is a real estate broker licensed by the California Bureau of Real Estate.
  • Commercial Mortgage Corporation
  • 1670 South Amphlett Blvd, Suite 214, San Mateo, CA, 94402
  • Commercial Mortgage Corporation offers the best personalized mortgage services available on the Internet - easy, convenient shopping for the best loan programs and most current rates available, together with the assistance of an experienced. For old fashion service, you will always work with a "live" loan officer to guide you through.
  • Amiri, Amir
  • 5007 Grimsby Drive, San Jose, CA, 95130
  • Amir has years of experience as a general contractor, mortgage, and real estate broker. Considered a high-touch broker, Amir is also known for his extensive market knowledge and an unmatched level of passion that he brings to each project. Amir brings a vast amount of knowledge and passion to his work.