In 2026, the USDA loan limit for Oakhurst, located in Madera county, CA, is $336,500. In comparison, the FHA limit for a single-family home is set at $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s leading USDA vs. FHA rates and identify the income, credit, reserves, and documentation required for qualification. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in determining which program best suits your financial situation in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to quickly secure the best USDA or FHA loan for you without hassle. Choose one of three starting points to connect with lenders and USDA loan programs.
The USDA home loan, backed by the U.S. Department of Agriculture, also called the USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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