USDA VS FHA in Kensington, Contra Costa County, CA

In 2026, the USDA loan cap in Kensington, Contra Costa county, CA is $776,600, while for a single-family home, the FHA limit is $1,089,300.

Utilize Lendersa® USDA loan calculator to evaluate today's best USDA vs. FHA rates and determine the necessary income, credit, reserves, and documents to qualify. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, helping you determine which program in Alabama best fits your financial situation.

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2026 Loan Limits and Down Payment Requirements in Kensington, Contra Costa, CA

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Available USDA and FHA Loan Choices in Kensington, CA

The aim of Lendersa® is to swiftly connect you with the best USDA or FHA loan options smoothly and without stress. Choose one of three starting pathways to match lenders with the USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, known also as a rural development loan or USDA mortgage, is government-backed by the Department of Agriculture and is exclusively available in rural zones. Unlike FHA loans that require at least a 3.5% down payment, USDA loans need no down payment, enhancing affordability.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • GoldCoast Mortgage Service Inc
  • 100 Cummings Center, Suite 544H, Beverly, MA, 01915
  • GoldCoast Mortgage To make certain that you succeed at your real estate goals.To do so we need to learn your objectives. We genuinely enjoy learning about your goals and seeing if we can help We won’t chase, sell, or obligate you. Ever. If your goals lead you to another mortgage lender or bank we will support the decision to pursue that path.

  • Coastal Heritage Bank
  • 195 Washington Street, Weymouth, MA, 02188
  • It takes more than physical location to be part of a neighborhood; it takes a dedicated, unwavering determination to help better the community & the lives of its residents. Since we live & raise our families in the towns we serve, our interests & those of our customers overlap.We all benefit from having a thriving, safe & culturally rich community.

  • Marblehead Bank
  • 21 Atlantic Avenue, Marblehead, MA, 01945
  • Founded in 1871, Marblehead Bank has been helping generations of families on the North Shore, grow and prosper. We help lead them to brighter and financially sound futures. Today, we’re one of North Shore’s finest banks. We hope to be given the opportunity to show you how much we care!

  • Clipper Commercial Capital
  • 20 Waterside Road, Marblehead, MA, 01945
  • Clipper Commercial Capital, LLC is an advisory firm based in greater Boston, providing capital solutions for small and mid-size business nationwide. We work closely with a network of national bank and non-bank financial institutions to offer competitive rates, market knowledge, and specialized lending solutions.

  • The National Grand Bank of Marblehead
  • 91 Pleasant Street, Marblehead, MA, 01945
  • Incorporated in April of 1831 as the Grand Bank, later renamed the National Grand Bank, we officially opened our doors on November 18, 1831. That day we recorded $1, 500 worth of deposits and started our commitment to providing the citizens and businesses of Marblehead with the best service and banking products available.

  • Stepstone Mortgage Company Inc
  • 89 Front Street, Suite 313, Marblehead, MA, 01945
  • We have been in business since 1988 and have helped thousands of homeowners purchase their new home, refinance into a lower rate, or get cash for home improvements, investments, business, debt consolidation, and college. Call us and see what the Stepstone Advantage is all about. We will strive to find the right mortgage product for you.

  • South Shore Bank
  • 1530 Main Street, South Weymouth, MA, 02190
  • South Shore Bank is a full-service mutual bank with approximately $2 billion in assets. As a locally managed mutual bank, we believe the most valuable & enduring success is success that is shared. Together, we work to help our people, clients and communities thrive. With an extensive set of financial products, the Bank serves as a trusted advisor.

  • ABINGTON BANK
  • 6 Harrison Avenue, Abington, MA, 02351
  • Abington Bank, part of the Hometown Financial Group banking family.

    We’re excited about all the great ways our bank can help you, your family, and your business unlock your potential. After all, for more than 100 years, it’s been our mission to deliver individualized financial support that ensures you can build a successful future.

  • Westport Federal Credit Union
  • 655 State Road, Westport, MA, 02790
  • In 1949, Antone Costa moved to the town of Westport. He enrolled in Business school and began to study Accounting, Cost Accounting, and Business Law for the next three years. Around that time he realized that Westport did not have a banking facility. Upon consulting the President of St. Mathieu’s Credit Union, he began to assemble a group.

  • Merrimack Valley Credit Union
  • 75 Main Street, Bridgewater, MA, 02324
  • Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley Credit Union is here with your best interest at heart! We’re all about the credit union mission of “people helping people” and offering you quality products and services at reasonable rates and costs.

  • Bluestone Bank
  • 14 Main Street, Bridgewater, MA, 02324
  • As an independent community bank, we’ve had a hand in helping southeastern Massachusetts flourish since 1872. In 2020, amid one of the most challenging years in U.S. history, we seamlessly united Bridgewater Savings Bank and Mansfield Bank to form Bluestone Bank. Our new brand is grounded in the same strong values that shaped our alliance.

  • Wheel House Mortgage Services Corporation d/b/a Wheel House Mortgage Services
  • 36 North Bedford Street, Suite C17A, East Bridgewater, MA, 02333
  • Wheel House Mortgage Services, a professional mortgage company specializing in variety loans in whole state of Massachusetts. At Wheel House Mortgage Services, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants.