For the year 2026, the USDA loan cap in Martinez, situated in Contra Costa county, CA, stands at $776,600, whereas the FHA loan cap for a single-family dwelling is $1,089,300.
The Lendersa® USDA loan calculator is a useful tool for comparing the top current rates between USDA and FHA loans. It assists you in figuring out the income level, credit score, reserves, and documentation necessary for eligibility. Our advanced mortgage calculator presents a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you to choose the most suitable program for your financial context in
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| Loan Type | Loan Limit | Down payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® is committed to providing you with swift access to the best USDA or FHA loans, minimizing hassle. Choose from three initial routes leading to lender matches and USDA loan solutions.
A USDA mortgage is backed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or in short, a USDA mortgage. These loans are only available in rural areas. In contrast to FHA loans, which necessitate a minimum 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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