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.
"At Tri Valley Home Loans, we take pride in being a trusted mortgage broker across multiple states, offering exceptional customer service and sound advice throughout the home-buying journey. Whether you're a first-time homebuyer, an experienced investor, or pursuing commercial property, our team is committed to guiding you through every step, ensur
California Lending Source is a residential and commercial loan brokerage that services all of California. Since 2009 we have been helping homeowners and consumers find the most suitable options available for them to achieve their financing goals. We have access to dozens of lenders to find the best loan products available that fit our clients.
Heritage Community Credit Union Credit Union (HCCU), not-for-profit financial cooperative, has provided friendly and trusted guidance to members in the greater Sacramento area since 1953. As a financial cooperative, HCCU can — with authentic credibility — deliver the brand promise that we want our members to, “Profit Wherever You Go.
United Financial Services was founded by Todd Zancaner in 2006. Working for large banks and retail branches I realized that I could provide more to my clients with little over head and more experience then most of the big banks and I could give back to my clients so that is when I knew starting United Financial Services was the best option for me.
1839 Iron Point Road, Suite 100, Folsom, CA, 95630
Lends in California
At The Mortgage Company, while our process is automated and digital - our guidance is personal and unique to your financial situation. We bring a wealth of mortgage experience to every purchase and refinance loan, and our clients have all their questions answered up front and throughout the loan process.
At CARE Finance Group, we take an education first approach with our clients. We focus on their individual needs and goals to recommend the best programs for their situation. We want our clients to feel like they know what’s happening, what they’re getting into, and feel comfortable throughout the process.
Bentley Mortgage & Real Estate Services is a unique company that is changing the way people buy, sell, and finance their homes in the greater Sacramento area. Most of our consultants are both expert mortgage consultants and associated REALTORS. From loan pre-qualification to loan approval, from house hunting to contract negotiations.
At California Home Loans we treat you like family not another number like large Banks! As a local independent broker, we have access to lower wholesale rates that big banks and retailers cannot match. We can get you to the closing table in 20 days or less. we offering to our clients Conventional, FHA, VA, USDA, Reverse and JUMBO products.
1024 Iron Point Road, Suite 1017, Folsom, CA, 95630
Lends in California
Real Estate Source, Inc Real Estate Source, Inc has been devoted to over 250 real estate agents in Northern California assisting them in making their business practice profitable. One of the secrets to Real Estate Source’s success has been with how transparent they are with their 100% commission package.
Land Catchers Investments offers invaluable and comprehensive services related to all aspects of real estate transactions, land use, development and financing. As their broker, Land Catchers carefully monitors both economic and financial decisions affecting its clients while simultaneously providing market data and investment advice so that clients
