In 2026, the USDA loan limit for Durham, situated in Butte county, CA, is established at $403,600. In comparison, the FHA limit for a single-family dwelling is $472,030.
Leverage the Lendersa® USDA loan calculator to compare the leading rates of USDA vs FHA loans today. Evaluate the necessary income, credit score, reserves, and documentation needed for qualification. Our enhanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in identifying the best program for your specific financial needs 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® aims to provide you with the most suitable USDA or FHA loans swiftly and without complications. Choose from three starting points designed to match you with lenders and USDA programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan, is only available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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