In 2026, for Napa, located within Napa county, CA, the USDA loan limit is $717,600, while the FHA loan threshold for a single-family home is $1,017,750.
Leverage the Lendersa® USDA loan calculator to compare top USDA vs FHA rates today. Assess required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA loans side-by-side, aiding your decision on the optimal program for your financial scenario in .
Loan Limits and Downpayment Requirements for 2026 in Napa, Napa, CA
Loan Type
Loan Limit
Down Payment
USDA
$717,600
0%
FHA
$1,017,750
3.5%
Conventional Conforming
$1,017,750
3%
Options for USDA and FHA Loans in Napa, CA
Lendersa® is dedicated to providing the best USDA or FHA loan promptly and conveniently. Select one of three starting points to connect with matching lenders and explore USDA loan opportunities.
A USDA home loan, supported by the Department of Agriculture and also known as a USDA rural development loan or mortgage, is only available in rural communities. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans require zero down payment.
22521 Avenida Empresa, Suite 102, Rancho Santa Margarita, CA, 92688
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
22342 Avenida Empresa, Suite 100, Santa Margarita, CA, 92688
At AdvantageFirst Lending, our team is dedicated to providing our clients with the highest quality financial services possible. We believe educating clients is paramount to a smooth transaction. Clients put their trust in us that we will deliver the rates, costs, and products we have promised in the timeframes they expect.
OSO Creek Financial is a local lender and broker The mortgage loan process is complex. To navigate it successfully, you need a mortgage professional to guide you and keep you from making the mistakes that can cost you time, money and stress. We do things differently and have the ability to shop and compare mortgage rates/programs for you
30212 Tomas, Suite 100, Santa Margarita, CA, 92688
Vatreni, Inc. is a family-run real estate and mortgage company built on integrity. With over 88 years of combined real estate and mortgage lending experience, we believe our clients come first. Vatreni provides exceptional customer service by being upfront, clear and honest with the motto ‘Under promise, over deliver
22431 Antonio Parkway, Suite 108, Rancho Santa Margarita, CA, 92688
FidoFi has a goal of being the most economical and most practical mortgage available. We deliver the lowest wholesale rate on any given day and pass that directly to you. You simply cannot beat our deal. FidoFi brings the best in mortgage lending products to your phone, tablet, or computer.
At Avacad, Inc, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates
30211 Avenida De Las Bandera, Suite 200, Rancho Santa Margarita, CA, 92688
We pride ourselves in giving you the mortgage information, loan options & convenient assistance you’re looking for.We never charge an application fee, escrow/impound waiver fee or lock-in fee.Your personal mortgage specialist will provide you with several options that best meet your needs. Buying or refinancing a home is stressful to say the least.
