For the year 2026, the USDA loan limit in Ione, within the county of Amador, CA is $379,200, whereas the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to compare today's USDA versus FHA rates and determine the income, credit, reserves, and paperwork necessary for eligibility. Our enhanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the most suitable program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $379,200 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to helping you secure the most optimal USDA or FHA loan quickly and with ease. Choose from one of three starting points that align you with matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also referred to as the USDA rural development loan or USDA mortgage, is specifically available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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