For 2026, the USDA loan cap in Elk-Grove, within Sacramento county, CA, stands at $478,400, whereas the FHA cap is $598,000 for a single residential home.
Utilize the USDA loan calculator by Lendersa® to examine and compare today's optimal rates between USDA and FHA, and discern the required income, credit, reserves, and documentation to qualify. Our state-of-the-art mortgage calculator presents a side-by-side view of USDA, FHA, Conforming, and VA programs to assist you in choosing what suits your financial circumstances in
Review loan offers from a selection of 100 lenders
| Loan Category | Maximum Loan | Required Down Payment |
| USDA | $478,400 | 0% |
| FHA | $598,000 | 3.5% |
| Conventional Conforming | $598,000 | 3% |
The aim of Lendersa® is to swiftly secure the best possible USDA or FHA loan for you, minimizing hassle. Choose from three starting points that connect you with compatible lenders and USDA loan programs.
A USDA home loan, guaranteed by the government's Department of Agriculture, also called USDA rural development loan or USDA mortgage, is accessible only in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA option needs no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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