USDA Vs. FHA Pro and Con comparison in Lemon-Hill, Sacramento County, CA
In 2026, the USDA loan limit for Lemon-Hill, in Sacramento county, CA, is $478,400. In comparison, the FHA loan limit for a single-family home is $598,000. These figures represent the maximum borrowing capacity available for these government-backed loans, essential information for potential buyers.
Utilize the Lendersa® USDA loan calculator to explore and compare the best rates for USDA and FHA loans currently available. This tool helps evaluate the income, credit, reserves, and necessary documentation required for qualification. Our advanced mortgage calculator provides a comprehensive view of USDA, FHA, Conforming, and VA loans side by side, making it easier to select the most suitable program for your financial needs, especially if you're looking to buy in .
2026 Loan Limits and Down Payment Details in Lemon-Hill, Sacramento, CA
Loan Type
Loan Limit
Down Payment
USDA
$478,400
0%
FHA
$598,000
3.5%
Conventional Conforming
$598,000
3%
Options for USDA and FHA Loans in Lemon-Hill, CA
Lendersa® aims to swiftly provide you with the best USDA or FHA loans without hassle. You can choose one of three starting points to connect with matching lenders and USDA loan programs tailored to your specific needs.
A USDA home loan, backed by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. These loans are specific to rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment, providing a significant benefit for eligible rural homebuyers.
512 Via de la Valle Suite 200, Solana Beach, CA, 92075
The SFG family of funds was built on disciplined lending models to provide for consistent income with a focus on capital preservation. For three decades, the principals of SFG, John Odegard and Greg Elderkin, have faithfully managed their discretionary authority and proven the quality of SFG’s capital stewardship through numerous market cycles.
PFCU is a not-for-profit, member-owned and member-operated financial cooperative. Established in 1954, PFCU has grown to move the money forward of more than 43, 000 members. We're dedicated to providing our members with the very best in financial services at competitive rates and terms.
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IBEW/SJ Cascade Federal Credit Union is a member owned, not for profit financial cooperative that is committed to its members. We are committed to the financial well-being of our membership. We offer a full line of savings & loan products. We offer most services that an individual could get at any other financial institute delivered at a fair cost.
Valley Credit Union is a not-for-profit financial institution dedicated to exceptional service, competitive rates and products and a commitment to the local community. The Valley team lives in the same community as our members and we want you to feel as welcome here as you do in your own home.
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Founded in 1994 by brothers Daniel Prohaska & Thomas Prohaska, Idaho Trust Bank offers personal banking, private banking, and business banking, as well as personalized wealth management and investment management. Idaho Trust Bank specializes in delivering exceptional, relationship-based service with a solid commitment to responsiveness and action.
Northwest Bank is a privately held community bank focused on serving the specific needs of businesses in Washington, Oregon, Idaho and Utah. Our experienced bankers deliver customized financial solutions and exceptional customer service. We do that by getting to know you, your business and your aspirations, first.
At Health Care Idaho Credit Union, membership equals ownership. We are a non-profit organization committed to providing our members with the best personalized service possible. We offer low interest rates on loans, minimal account fees and all accounts are insured by NCUA.
Our mission is to provide excellence in personal financial services.
