In the year 2026, the USDA loan limit for the area of Modesto, located in the county of Stanislaus, CA, stands at $412,000. Comparatively, the FHA loan limit for a single-family dwelling here is $517,500.
Employ the Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates. This tool assists in evaluating the necessary income, credit score, reserve funds, and supporting documents needed for qualification. Our comprehensive mortgage calculator lets you examine USDA, FHA, Conforming, and VA loans side by side, aiding your decision to select the ideal program for your financial circumstance in
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| Loan Type | Loan Limit | Down payment |
| USDA | $412,000 | 0% |
| FHA | $517,500 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to swiftly deliver the best USDA or FHA loan with no hassle. You can start with one of three pathways to find lenders that match with recommended USDA loan programs.
A USDA home loan is a government-backed mortgage provided through the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. It is specifically available in rural areas. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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