USDA and FHA Pro and Con in El-Cerrito, Contra Costa County, CA

In 2025, USDA loan limit in El-Cerrito, county of Contra Costa, CA is $657,900 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in El-Cerrito, county of Contra Costa, CA

Loan Type Loan Limit Down payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA loan options in El-Cerrito, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • US Financial, LLC - Mark Lamerdin
  • 1325 Airmotive Way, Suite 175-D, Reno, NV, 89502
  • US Financial is located in Reno, Nevada & has built a strong reputation as an outstanding mortgage company, serving the lending needs of real estate professionals, home builders and helping individuals and families achieve the dream of home ownership throughout Nevada. We understand you have a choice and we want to be your first choice every time.
  • Umpqua Bank
  • 3490 S. Virginia Street, Reno, NV, 89502
  • Umpqua Bank You, your life, your money management style—all things that are more important to us than the size of your balance. We pair financial expertise with a passion for getting to know you as an individual—and it’s not just because we’re looking for new gym buddies. We’re on a mission to help you manage.
  • Vocality Community Credit Union
  • 757 Redwood Drive, Garberville, CA, 95542
  • Vocality Community Credit Union was founded 40 years ago by residents of Humboldt County that wanted more personal, inclusive, and community-focused financial services than traditional banks offered. That visionary spirit has never waned - we’ve been outside-the-box- thinkers and innovators, listen carefully to what our members need
  • Envoy Mortgage
  • 746 Main Street, Suite A, Cambria, CA, 93428
  • "Envoy is changing the mortgage experience for our homebuyers, business partners and associates by investing in efficient digital technology that produces faster results and delivers the best customer service experience available in the industry. We have opened over 130 local branches, in 47 states throughout the U.S. "
  • Farm Bureau Bank FSB
  • 2165 Green Vista Drive, Sparks, NV, 89431
  • Farm Bureau Bank, FSB, a wholly-owned subsidiary of FB BanCorp, was established in 1999 to serve the unique financial needs of Farm Bureau members. Headquartered in Reno, Nevada, with an operations center in San Antonio, Texas, the bank currently offers a full range of competitively priced products and services to members in 44 states
  • Monarch Mortgage
  • 2435 Pyramid Way, Suite A, Sparks, NV, 89431
  • Monarch Mortgage rates are at an all time low, so if you are considering buying a new home, or refinancing - now is the time and Your more than just a number at Monarch Mortgage - get the personal attention you deserve and also Mortgage Products FHA, VA, CONVENTIONAL, JUMBO and USDA
  • NewMark Investment and Loan, Inc.
  • 501 Pyramid Way, Sparks, NV, 89431
  • "We specialize in private money (aka “hard money”). By working directly with private money lenders and investors, we are able to finance many “out of the box” transactions. We can fund even the most difficult of situations. Contact a NewMark representative today for more information and to discuss your hard money lending needs."
  • ClearEdge Commercial Lending
  • 1806 Pine st., Paso Robles, CA, 93446
  • ClearEdge Commercial is a nationwide business purpose lender with competitive rates and industry leading turn times. We are more than just a lender, we establish relationships with our clients. We listen and work with you to find the best solutions tailored to your needs. Specializing in non-owner-occupied residential invest properties, 1 - 30 un
  • Simple Lending and Realty, INC.
  • 1244 Pine Street, Suite 217, Paso Robles, CA, 93446
  • Simple Lending & Realty Inc founder of the Yesenia Meraz in 2009 along with other colleagues opened the office at 1244 Pine St Suite 217 initially as a retail mortgage company and a year later I obtained my Real Estate License. I worked as an independent mortgage broker until beginning of 2013 when Simple Lending & Realty was started
  • A Straight Line Mortgage Solutions
  • 404 Cool Valley Road, Paso Robles, CA, 93446
  • A Straight Line Mortgage Solutions are the low cost provider of home loans in the SLO county area. If you want to save money on your home purchase or refinance, this is the right place! We offer conventional, FHA, USDA and VA home loans at extremely competitive rates. We are wholesale Mortgage Brokers.This means we have multiple lenders to choose.
  • KD Capital Mortgage Corporation
  • 1305 Vine Street, Paso Robles, CA, 93446
  • KD Capital was founded out of the profound need to do what is best for the client and provide constant communication during the transaction. We love what we do and every transaction is personal for us, not just another transaction. We have real people answering the phones. Our goal is for you to have the best experience possible every time.
  • Infinity Mortgage
  • 1229 Vine St., Paso Robles, CA, 93446
  • With over 3 decades of experience there is almost no loan type that Kay Otis, Katy Otis or ChristaAbma haven't completed. Our continued focus is on Loan Origination so as to keep a close working relationship with our wonderful clients. Please contact us today so we can explore how we can help you reach your loan goals.