For 2025, the USDA loan threshold in El-Sobrante, part of Riverside County, CA, is established at $381,800. By contrast, the FHA cap for a single-family dwelling is set at $477,250.
The Lendersa® USDA loan calculator can be incredibly useful for comparing the most competitive USDA versus FHA rates available today. It also helps identify essential qualifying criteria such as income, credit, reserves, and necessary documents. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options in parallel, guiding you in choosing the best fit for your unique financial circumstances in
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| Type of Loan | Maximum Limit | Minimum Down Payment |
| USDA | $381,800 | 0% |
| FHA | $477,250 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
At Lendersa®, we aim to swiftly and smoothly provide you with the most suitable USDA or FHA loan. Choose from three different starting paths that align with certain lenders and available USDA loan programs.
A USDA home loan, facilitated by the government through the U.S. Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage. It is specifically tailored for rural areas, requiring no down payment, unlike FHA loans, which necessitate a minimum down payment of 3.5%.
Enter your location to find out if it qualifies for USDA rural housing loan?
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