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<p>In the year 2026, the lending cap for USDA loans in Mountain-House, located in San Joaquin county, CA, is $556,200. Compare this with the FHA limit, which is $483,000 for single-family homes.</p>
<p>Make use of the Lendersa® USDA loan calculator to evaluate USDA vs. FHA rates today. Determine what income, credit score, reserves, and documentation are essential for approval. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, facilitating the selection of the ideal program for your finance-related needs in Alabama.</p>
<p><a href="/loans/start">See loan offers from 100 different lenders</a></p>
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<h2>2026 Loan Limits and Down Payment Requirements in Mountain-House, CA, San Joaquin County</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>$556,200</td>
<td>0%</td>
</tr>
<tr>
<td>FHA</td>
<td>$483,000</td>
<td>3.5%</td>
</tr>
<tr>
<td>Conventional Conforming</td>
<td>$548,250</td>
<td>3%</td>
</tr>
</table>
</div>
<h2>Explore USDA and FHA Loan Options in Mountain-House, CA</h2>
<p>Lendersa® is committed to securing the most efficient USDA or FHA loan for you without unnecessary trouble. Begin with one of three pathways to connect with suitable 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 optimal request for USDA/FHA loans</a></li>
<li><a href="/mortgage-calculators">Discover USDA and FHA rates & terms first</a></li>
<li><a href="/loans/info/hard-money-lenders-directory">Scan through the largest USDA loan lenders directory</a></li>
</ol>
</div>
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<img src="/Content/images/loan_request_matching_results.jpg" alt="Lendersa USDA loan request and matching results" style="width:400px;" />
</div>
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<h2>What Defines a USDA Loan in CA?</h2>
<p>The USDA loan, backed by the Department of Agriculture, goes by the name USDA rural development loan or USDA mortgage. It is specifically intended for rural areas. Unlike FHA loans that demand at least a 3.5% down payment, a USDA mortgage requires no down payment at all.</p>
Enter your location to find out if it qualifies for USDA rural housing loan?
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