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.
Explore offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
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.
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?
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