In 2026, within Hercules in the county of Contra Costa, CA, the USDA loan limit is $776,600, while the FHA loan cap for a single-family residence is $1,089,300.
Leverage the Lendersa® USDA loan calculator to compare the current top rates for USDA vs. FHA loans. Determine the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA options, guiding you to choose the best program for your specific financial needs, particularly in Alabama.
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| Loan Type | Loan Limit | Down Payment |
|---|---|---|
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The mission of Lendersa® is to quickly connect you with the most effective USDA or FHA loan solution without hassle. Choose from three initial approaches that align with lenders and USDA loan programs.
USDA home loans, guaranteed by the U.S. Department of Agriculture and known as USDA rural development loans or USDA mortgages, are intended solely for rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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