USDA Vs. FHA your options comparison in Home-Gardens, Riverside County, CA
In 2026, the USDA loan cap in Home-Gardens, situated in Riverside county, CA, is set at $381,800, with the FHA limit being $477,250 for a single-family dwelling.
Take advantage of the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates and determine the income, credit score, reserves, and documents necessary for qualification. Our advanced mortgage calculator lays out USDA, FHA, Conforming, and VA loans side by side, assisting you to select the best program in based on your specific financial needs.
2026 Loan Limits and Down Payment Requirements in Home-Gardens, Riverside, CA
Loan Type
Loan Limit
Down Payment
USDA
$381,800
0%
FHA
$477,250
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Home-Gardens, CA
Lendersa® is committed to swiftly and hassle-free offering you the most advantageous USDA or FHA loan. Begin with one of three different paths to connect with matching lenders and USDA loan programs.
The USDA home loan is backed by the government's Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, and is exclusively offered in rural locations. Unlike FHA loans requiring a minimum down payment of 3.5%, the USDA mortgage comes with no down payment requirements.
For fifty years, BAC Community Bank, formerly known as Bank of Agriculture & Commerce (BAC) and ECC Bank a Division of Bank of Agriculture & Commerce (ECC), has provided comprehensive financial and banking services to three counties contiguous to the Delta. These include Contra Costa, San Joaquin and Stanislaus Counties.
Delta Schools FCU is a home grown credit union serving the financial needs of the Delta community. Part of our long term plan is to give back and support the community. If you are looking for a bank with the same values look no further. credit union serving the financial needs of the Delta community. Part of our long term plan
Empire Lending Group's 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.
DP Realty and Property Management Helping a family or individual form a Game-Plan for a home purchase is just one of the many services I provide. I feel good when I help my clients, I enjoy what I do. I was born and raised in the San Francisco Bay Area, and I love it here. I’ve sold homes and loans for almost 30 years in Contra Costa County.
The San Mateo City Employees Federal Credit Union operates on the foundation of trust and respect for it’s members. This institution was created by employees and continues to serve employees, retirees and their family members with the goal of providing exclusive, lifetime benefits in a convenient manner while maintaining our history.
Ascend Mortgage was established in 2005 in San Mateo, CA to help make home ownership and home purchase financing affordable and available for residents of California. Headquartered in the San Francisco Bay Area where there is a diverse community we specialize in all aspects of Real Estate and we believe in a more personalized approach to lending.
135 West 25th Avenue, Suite 6914, San Mateo, CA, 94403
We are here to serve our community and bring happiness and stability to those around us by helping people find a place to call home. We specialize in building trust and lasting relationships with our clients and finding them the best deal at the right time in the right place. Established in 1990.
"Bay Area Realty Services is a full service Residential Real Estate Brokerage with offices in Palo Alto and San Mateo, serving mainly San Francisco, the Peninsula, the East Bay, and Silicon Valley/South Bay
Our services include the Listing of all types of Residential properties (for Sale or for Lease),"
Karen Douglas is a 23 year Bay Area mortgage professional with extensive experience and knowledge of the industry and its ever-changing landscape. Born and raised in the Bay Area, Karen has devoted much of her energy to developing happy homeowners in the greater Bay Area. Not limited to the local market, Karen’s resources span all of California.
