USDA Vs. FHA your options comparison in Granite-Bay, Placer County, CA
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 .
2026 Loan Limits and Down Payment Requirements in Granite-Bay, Placer, CA
Loan Type
Loan Limit
Down Payment
USDA
$486,400
0%
FHA
$598,000
3.5%
Conventional Conforming
$598,000
3%
Exploring USDA and FHA Loan Options in Granite-Bay, CA
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.
Real Estate & Lending Solutions is unique in that we provide multiple services that save our clients valuable time and money. We have the ability to assist you in financing, selling, and buying residential and commercial real estate. We are a true mortgage broker with the ability to provide very competitive mortgage financing programs.
We are mortgage brokers backed by an extensive experience in lending and brokering. Our Broker of Record has over 27 years of experience in residential and commercial lending. We are committed to building a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders.
7700 Folsom Auburn Road, Suite 110, Folsom, CA, 95630
We will treat you right and give you the personal attention you deserve. We know the big commitment you are making in buying a home, refinancing a mortgage, or tapping into your home equity. So we make a commitment to you: we can help you qualify, apply and be approved for the very best mortgage for you.
Masters Team Mortgage is a premier mortgage broker in the greater Sacramento region. Our boutique approach ensures a lending experience rare in today’s automated, online-dominated lending environment. We want to see you, get to know you, and develop a relationship with you that will span generations to come.
We are a full-service mortgage company based in Folsom, CA. We specialize in Home Purchase Loans and Refinance in California. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
Our creative business model has provided decades of stable success, and in 2019 alone, we funded over $6.3 billion in loans and helped people all over the country reach their home financing goals. We believe in providing strong futures for our customers, our referral partners and our team members.
2130 E. Bidwell Street, Suite 110, Folsom, CA, 95630
At Iron Point Mortgage, our business is helping clients get the right residential financing for both new home purchase and refinance mortgages. Our passion, is providing the education and guidance so you’ll understand the process, how to plan for the future, take advantage of available opportunities, and build long-term wealth through Real Estate.
Residential Home Loans, is an established mortgage lender in the Sacramento area. Our office is made up of licensed loan originators dedicated to our business and making the home loan process as smooth as possible. As home loan lenders we are here to assist in all Real Estate Finance needs.
6060 Sunrise Vista Dr, Suite 1200, Citrus Heights, CA, 95610
Green Isle Real Estate & Mortgage is locally owned and operated in the heart of one of the most dynamic real estate markets in the country: Sacramento, California. We serve a growing demand for agencies that specialize in single family and multifamily properties. Our services include representation for buyers and sellers of primary.
5620 Birdcage Street, Suite 210, Citrus Heights, CA, 95610
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.
We are a customer service based mortgage company centered on flexibility and finding the best mortgage option for our clients and their families. We believe each person's situation is different and can help prepare those who are not ready to take the necessary steps within their budget and time frame.
5750 Sunrise Boulevard, Suite 130-A, Citrus Heights, CA, 95610
We are a licensed finance brokerage that operates in the State of California under the Department of Business Oversight Financing Law. We are also licensed as a Mortgage Loan Originator in the State of California. At times we may refer you to other sources of funding rather than act as the direct broker,
