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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $540,000 | 0% |
| FHA | $763,600 | 3.5% |
| Conventional Conforming | $763,600 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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