USDA VS FHA in Fairfield, Solano County, CA

In 2026, within Fairfield, in the county of Solano, CA, the USDA loan limit is set at $491,200, whereas the FHA loan limit for a single-family home is $685,400.

The Lendersa® USDA loan calculator allows you to compare the top USDA vs. FHA rates available today and assess the income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you'll see USDA, FHA, Conforming, and VA programs side by side, assisting you in selecting which loan option in best fits your financial needs.

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2026 Loan Ceilings and Down Payment Criteria in Fairfield, county of Solano, CA

Type of Loan Loan Limit Down Payment
USDA $491,200 0%
FHA $685,400 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Choices in Fairfield, CA

The aim of Lendersa® is to quickly provide you with the most suitable USDA or FHA loan, without any fuss. Select from three start points leading to matching lenders and USDA loan schemes.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, backed by the government Department of Agriculture, also called a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment whatsoever.

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



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  • 1644 East Bethany Home Road, Suite 101, Phoenix, AZ, 85016
  • Prostaff Mortgage Corp. we have no hidden costs, no junk fees, and no surprises. We will take all of the confusion out of what is included in closing costs.Our low cost and low rate guarantee means you should not be able to get a better deal anywhere. and also We will always give you the straight scoop, return your calls, eliminate surprises.

  • First Liberty Home Mortgage, LLC
  • 2415 East Camelback Road, Suite 700, Phoenix, AZ, 85016
  • "We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.

    We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending.

  • WESTERN ALLIANCE MORTGAGE, LLC
  • 1645 E. Bethany Home Rd., Phoenix, AZ, 85016
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Canopy Mortgage, LLC
  • 2375 E Camelback Rd, Ste 600, Phoenix, AZ, 85016
  • Canopy Mortgage we have a passion for finding a simpler, faster, less expensive way to close a mortgage loan. By combining our proprietary mortgage technology with the best Loan Officers in the industry we provide our customers with a fast, smooth, transparent and inexpensive mortgage experience

  • MidPoint Capital Partners, LLC
  • 2942 N. 24th St Ste 115, Phoenix, AZ, 85066
  • MidPoint Capital Partners, LLC is your trusted partner in innovative financial solutions. We offer customized funding options, including commercial mortgages, hard money loans, and hotel financing, tailored to your unique needs. Led by experienced professionals, we ensure every client receives unparalleled expertise and personalized service to turn

  • Checkmate
  • PO Box 35220, Phoenix, AZ, 85069
  • It has been over 25 years since we opened our first store. Since that day, Checkmate has provided many clients with the financial services they need with the highest level of integrity and confidentiality. Providing services that most traditional banks do not want to provide, Checkmate has excelled with the simple premise of meeting the needs.

  • U-Haul Federal Credit Union
  • 2700 N 3rd St, Suite 1000-A, Phoenix, AZ, 85004
  • The U-Haul Federal Credit Union is YOUR financial institution. Your Membership Savings Account represents your ownership in the Credit Union. As a member, you can trust our dedication to providing better, more personal services to you.

    U-HAUL FEDERAL CREDIT UNION is a banking company based out of 79 E Roanoke Ave, Phoenix, Arizona, United Stat

  • Premium Lending, LLC
  • 141 E. Palm Ln, Suite 202, Phoenix, AZ, 85004
  • Premium Lending, LLC has been offering mortgage loans to the public for over 20 years. Premium Lending, LLC originally was started to assist people who could not find financing through traditional lending sources. Premium Lending, LLC is committed to making loans people can afford.

  • Arizona Central Credit Union
  • 2020 N. Central Avenue, Suite 100, Phoenix, AZ, 85004
  • Proudly serving Arizona since 1939, Arizona Central Credit Union (ACCU) has been providing Arizona families with accessible, friendly, hometown banking. That means great member service, personalized checking & savings, higher dividends and low-interest rate loans, mortgages & financing.

  • B.E. Lending
  • 1 N 1st St, Suite 755, Phoenix, AZ, 85004
  • B.E. Lending headquarters in downtown Phoenix and offers its loan products and services to a range of markets beyond its state lines. In addition to Arizona, the company lends in Colorado, North Carolina, Texas, Utah, and other markets on a case-by-case basis. For B.E. Lending, relations with the company's stakeholders are of utmost importance

  • D&E Realty Financing and Investments LLC
  • 1634 North 7th Street, Suite 1, Phoenix, AZ, 85006
  • D&E Realty Financing and Investments, LLC in 1998. Since then, D&E Financing has grown to be one of Arizona's leading mortgage brokers. After years of working in the mortgage and real estate fields, the founding partners of D&E Financing came to realize that the number one problem experienced by borrowers was the lack of honesty.