In 2026, the USDA loan cap in Hayward, located in Alameda county, CA, is $776,600. Comparatively, the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare today's most favorable USDA against FHA rates and establish the income, credit, reserves, and documentation needed for eligibility. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding your decision on which program in best fits your financial landscape.
2026 Loan Ceilings and Down Payment Requirements in Hayward, County of Alameda, CA
Loan Type
Loan Limit
Down Payment Percentage
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Selections in Hayward, CA
The goal of Lendersa® is to quickly and effortlessly secure the best possible USDA or FHA loan for you. Choose one of three initial pathways that lead to matching lenders and USDA loan offerings.
The USDA home loan, supported by the Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, is accessible exclusively in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, USDA loans are available with no down payment required.
14362 North Frank Lloyd Wright, Suite 1000, Scottsdale, AZ, 85260
Having worked for a few of the large banks & mortgage banking firms prior to starting Mortgage Quest in May 2000, Bob McCormick learned how & why these mortgage companies need to mark-up their rates that are offered to the public: large overhead expenses including office salaries, commissions several layers of management due to large staffing, etc.
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Talon Capital offers comprehensive yet customized mortgage solutions to our clients. Our strength lies in our detailed, personalized, and client-focused approach. Additionally, our extensive network of investors provides financing solutions for our clients in the most professional manner possible.
14301 North 87th Street, Suite 311, Scottsdale, AZ, 85260
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8990 E Raintree Dr, Suite 100, Scottsdale, AZ, 85260
Autobahn Mortgage, LLC almost 20 years in the real estate industry, we have the experience to help with your loan. Our method differs from other lenders as we take a holistic approach to our borrowers needs and The Mortgage Industry has changed dramatically. Trust us to have the knowledge, experience and communication skills to serve you.
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14362 N Frank Lloyd Wright Blvd, Scottsdale, AZ, 85260
Our team at Valley Mortgage is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
16420 N. 92nd St, Suite 220, Scottsdale, AZ, 85260
The Formula Mortgage Capital Corporation team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically
15721 North Greenway Hayden Loop, Suite 102, Scottsdale, AZ, 85260
Wain Capital is a Mortgage Brokerage, with extensive experience and licenses in Arizona, California and Colorado. As an independent mortgage broker we specialize exclusively in home loans but give more options and have more products than your traditional lenders. Constantly analyzing the mortgage bonds and treasury markets
Intent Mortgage stays ahead of the competition by leveraging modern technology to increase efficiency and ultimately, home buyer satisfaction. "Low Rate, Consumer First Mortgage Lending" isn't just our dual Mission Statement - it's a promise we make to our clients that we intend to keep.
