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<p>For the year 2026, the USDA loan limit applicable in Moraga, within the county of Contra Costa, CA, stands at $776,600. By comparison, the FHA loan limit for a single-family home is set at $1,089,300.</p>
<p>Utilize Lendersa®'s USDA loan calculator to compare the top current rates between USDA and FHA loans. Discover the income, credit score, financial reserves, and documentation necessary for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, helping you determine the best option for your financial needs in Alabama.</p>
<p><a href="/loans/start">Browse loan options from an assortment of 100 lenders</a></p>
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<h2>2026 Loan Limits and Down Payment Requirements in Moraga, County of Contra Costa, CA</h2>
<table class="table table-responsive">
<tr>
<td><b>Loan Type</b></td>
<td><b>Loan Limit</b></td>
<td><b>Down Payment</b></td>
</tr>
<tr>
<td>USDA</td>
<td>$776,600</td>
<td>0%</td>
</tr>
<tr>
<td>FHA</td>
<td>$1,089,300</td>
<td>3.5%</td>
</tr>
<tr>
<td>Conventional Conforming</td>
<td>$1,089,300</td>
<td>3%</td>
</tr>
</table>
</div>
<h2>Exploring USDA and FHA Loan Options in Moraga, CA</h2>
<p>Lendersa® aims to efficiently and seamlessly connect you to the optimal USDA or FHA loan. Begin by choosing one of three methods to pair with matching lenders and USDA loan programs.</p>
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<div class="col-md-8">
<ol style="list-style-type:decimal">
<li><a href="/loans/loan-request-form">Submit your comprehensive request for USDA/FHA loan optimization</a></li>
<li><a href="/mortgage-calculators">Access USDA and FHA rates & terms initially</a></li>
<li><a href="/loans/info/hard-money-lenders-directory">Explore a large directory of USDA loan lenders</a></li>
</ol>
</div>
<div class="col-md-4">
<img src="/Content/images/loan_request_matching_results.jpg" alt="Lendersa USDA loan request and matching results" style="width:400px;" />
</div>
</div>
<h2>Defining USDA Loan in CA</h2>
<p>A USDA home loan is a government-backed financial product, be it a USDA rural development loan or USDA mortgage, specifically available for rural locales. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans require no down payment whatsoever.</p>
Enter your location to find out if it qualifies for USDA rural housing loan?
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