In 2026, the USDA loan cap in Gridley, situated in Butte county, CA, is $403,600. Meanwhile, the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to compare the most favorable USDA versus FHA rates today. Determine the income, credit history, reserves, and documents needed for qualification. Our advanced mortgage calculator conveniently displays USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the suitable program for your financial necessities within
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| Type of Loan | Limit | Minimum Down Payment |
| USDA | $403,600 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® strives to secure the best available USDA or FHA loan for you rapidly and with ease. Select from three starting methods that connect you with compatible lenders and USDA loan offerings.
The USDA home loan, endorsed by the Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage and is specifically accessible in rural areas. Unlike FHA loans that mandate a minimum 3.5% down payment, the USDA loan requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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