In 2026, the USDA loan limit for Earlimart in Tulare, CA, is $342,100, while the FHA limit for a single-family home is $472,030.
To find the best rates today, use the Lendersa® USDA loan calculator to compare USDA vs. FHA options and see what income, credit, reserves, and documentation are needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $342,100 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to quickly provide you with the most suitable USDA or FHA loan without difficulty. Choose one of three starting options that will lead you to lenders matching your USDA loan needs.
The USDA home loan, backed by the Department of Agriculture, is also called the USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans, which need a minimum 3.5% down payment, the USDA loan does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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