In 2025, the USDA loan limit in North-Highlands, located in Sacramento, CA, is $478,400. Meanwhile, the FHA limit for a single-family home is $598,000.
Utilize the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates. This tool helps determine the income, credit, reserves, and documents you need to qualify. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the best option for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $478,400 | 0% |
| FHA | $598,000 | 3.5% |
| Conventional Conforming | $598,000 | 3% |
At Lendersa®, our goal is to help you secure the best USDA or FHA loan quickly and hassle-free. Choose one of three starting points to connect with matching lenders and suitable USDA loan programs.
A USDA home loan, also known as a USDA rural development loan, is backed by the government through the Department of Agriculture and is only available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans do not require any down payment, making them an accessible option for eligible buyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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