USDA Vs. FHA your options comparison in Hayward, Alameda County, CA
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.
Bay Cities Credit Union is located in Hayward, CA, United States and is part of the Depository Credit Intermediation Industry. Bay Cities Credit Union has 33 total employees across all of its locations and generates $2.27 million in sales (USD). There are 2 companies in the Bay Cities Credit Union corporate family.
Assurity Realty Corp (ARC) is a family owned real estate business and home to a growing staff that are committed to helping our clients with all of their real estate needs, both Commercial and Residential. Become a part of our family! Real Estate Sales & Purchases are our business.
21573 Foothill Blvd, Suite 211, Hayward, CA, 94541
Lends in California
Our company specializes in the full spectrum of financial services. We pride ourselves in finding solutions to help clients navigate financial issues and plan for financial goals. We work with real estate purchases, listings, and property management. We also originate mortgages and other types of real estate financing.
Village Properties work under an experienced licensed broker/owners Sam & Jessica Medina. They are high caliber professionals with extensive experience and knowledge about our local real estate market. Our agents come from diverse backgrounds but all are dedicated to providing the highest quality service to our clients.
Optimal Loans strives to stay market competitive by offering expert knowledge and deep banking connections. We will fight hard to get you the best deal out there. We earn customer trust, not just on one loan --but stay in your corner as you buy homes, buy or grow a business or invest commercially.
Whether you are looking for houses for sale or to sell a house, the most important thing is that you work with a real estate agent that you can trust. As your loyal real estate agent, I take it upon myself to provide you with the guidance and assistance that you deserve throughout the entire real estate process.
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.
United Financial Services (UFS) provides private direct loans. We provide short-term fix & flip financing and long-term rental financing for real estate investors. Our loans, often called “hard money” can be used for the purchase or refinance of non-owner occupied residential properties, financing of renovation projects, and bridge funding.
2450 Washington Avenue, Suite 180, San Leandro, CA, 94577
Lends in California
Moore West FCU was established in 1935 to benefit the employees of the Moore Corporation and their families. Moore West FCU has changed with the times over the last 85 years while keeping the same philosophy of "People Helping People", while at the same time providing a safe and sound financial institution.
Established in 1962, SMW 104 Federal Credit Union is a non-profit, financial cooperative owned and operated by its members (Sheet Metal Workers' Local Union 104 employees, apprentices and their families) which spans 49 counties from Ventura County, California, to the Oregon border. By understanding the nature of the trade and offering products
