In 2026, the USDA loan limit for Livingston, located in Merced county, CA, is set at $341,900. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare and contrast the top rates available for USDA and FHA loans today. This will help you determine the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the most suitable program for your financial situation, particularly if you're in the state of
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| Loan Type | Loan Limit | Down Payment |
| USDA | $341,900 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to quickly secure the best USDA or FHA loan for you, with minimal hassle. Pick one of three paths that lead to matching lenders and USDA loan programs tailored to your needs.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture. It is exclusively for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA loan requires no down payment, giving homebuyers in rural areas easier access to financing.
Enter your location to find out if it qualifies for USDA rural housing loan?
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