In 2026, the USDA loan limit for Granite-Bay, situated in Placer county, CA, is $486,400, whereas for a single-family home, the FHA limit is $598,000.
Leverage the Lendersa® USDA loan calculator to evaluate and compare today's premier USDA versus FHA rates, assessing the income, credit, reserves, and documents necessary for qualification. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, enabling you to select the most suitable option for your financial scenario in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $486,400 | 0% |
| FHA | $598,000 | 3.5% |
| Conventional Conforming | $598,000 | 3% |
Lendersa® strives to facilitate a quick, hassle-free acquisition of the best USDA or FHA loan. Choose one of three starting paths that connect you with lenders and allow exploration of USDA loan offerings.
A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the Department of Agriculture. It is available exclusively in rural neighborhoods. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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