In 2026, the USDA loan limit for Folsom, located in the county of Sacramento, CA, is $540,000. Meanwhile, the FHA limit for a single-family home stands at $763,600.
Utilize the Lendersa® USDA loan calculator to explore and compare today's leading USDA versus FHA rates. This tool helps identify the necessary income, credit, reserves, and documentation required to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA side by side, aiding your decision on which program in aligns best with your financial needs.
Details for 2026 Loan Limits and Downpayment in Folsom, County of Sacramento, CA
Loan Type
Loan Limit
Down Payment
USDA
$540,000
0%
FHA
$763,600
3.5%
Conventional Conforming
$763,600
3%
Exploring USDA and FHA Loan Options in Folsom, CA
The objective of Lendersa® is to ensure you obtain an ideal USDA or FHA loan quickly and without hassle. Choose among three pathways that lead to matching with lenders and accessing USDA loan programs.
The USDA home loan is backed by the government through the Department of Agriculture, often called a USDA rural development loan or USDA mortgage. This loan is available exclusively in rural areas. Unlike FHA loans which require at least a 3.5% down payment, the USDA mortgage necessitates no down payment, providing an affordable option for eligible rural residents.
Own Mortgage is San Diego and Orange County based Mortgage company We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process
2535 Kettner Boulevard, Suite 2A5, San Diego, CA, 92101
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.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available. We will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financial needs. Whether you are a first time or seasoned home buyer purchasing your dream home,
At La Jolla Lending, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. 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
At UWM, we’re dedicated to making dreams come true for our team members, our broker partners and homeowners nationwide. Everything we do is designed support our partners’ business and grow the broker channel as a whole. We’re a winning team working together to deliver the fastest turn times in the industry,
Griffin Funding, Inc., is a mortgage company with access to wholesale rates that originates loans throughout the states of Arizona, California, Colorado, Florida, Hawaii, Tennessee, Texas, and Washington. We specialize in VA Loans and Self-Employed Jumbo Loans. Call us today for a free consultation 855-595-6195
The founder of ranchoted, Ted Przybylek, is a well-rounded, highly experienced financial specialist and a private money lending expert. ranchoted stands for genuinely helping people with their real estate financing needs, assisting them through whatever situation they are in. With 30+ years in the lending industry, Ted has assisted buyers and selle
We specialize in finding the right home loan for each customer. Whether you are a first home buyer or an experienced property investor, we want to exceed your expectations and ensure you are comfortable throughout the home loan process. Pacific Home Mortgage Funding, Inc. is working hard to advise and assist borrowers in obtaining their home loans.
