For 2026 in Half-Moon-Bay, located in San Mateo county, CA, the USDA loan ceiling is set at $657,900, compared to the FHA limit, which is $822,375 for a standard single-family home.
Utilize the Lendersa® USDA loan calculator to effectively contrast today's top USDA versus FHA rates and understand the income, credit, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loan programs side by side, aiding you in choosing the optimal option for your financial needs in Alabama.
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| Loan Type | Loan Limit | Down payment | |
| USDA | $657,900 | 0% | |
| FHA | $822,375 | 3.5% | |
| Conventional Conforming | $822,375 | 3% |
At Lendersa®, our primary aim is to swiftly connect you to the most favorable USDA or FHA loan options without unnecessary complications. Select one of the three pathways that facilitate matching you with the best lenders and USDA loan programs.
The USDA home loan, officially backed by the U.S. Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is specifically for properties in rural areas. Unlike FHA loans, which require a 3.5% down payment at minimum, the USDA mortgage allows for no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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