USDA Vs. FHA your options comparison in Napa, Napa County, CA

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 .

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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.

Lendersa USDA loan request and matching outcomes

Defining USDA Loans in CA

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



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