In the year 2026, the USDA loan threshold for single-family homes in Fremont, part of Alameda county, CA, is $776,600. On the other hand, the FHA loan cap is set at $1,089,300.
The Lendersa® USDA loan calculator is your tool to compare today's top USDA versus FHA rates. It helps determine the necessary income, credit score, reserve levels, and documentation to qualify. Our sophisticated mortgage calculator showcases USDA, FHA, Conforming, and VA options side by side. This feature assists you in selecting the best program available in
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| Type of Loan | Loan Ceiling | Minimum Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The mission of Lendersa® is to swiftly secure the optimal USDA or FHA loan available, with ease and efficiency. Start with any of the three pathways provided to connect with appropriate lenders and identify suitable USDA loan programs.
A USDA home loan is guaranteed by the United States Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural neighborhoods. In contrast to FHA loans which require at least a 3.5% down payment, USDA loans wave the requirement for any down payment altogether.
Enter your location to find out if it qualifies for USDA rural housing loan?
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