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
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| Loan Type | Loan Limit | Down Payment Percentage |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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