In the year 2026, if you're looking at USDA loan limits in Pacheco within Contra Costa county, CA, you'll find it set at $776,600. For those seeking an FHA loan for a single-family house, the limit stands at $1,089,300.
Explore today's best rates for USDA and FHA loans with the Lendersa® USDA loan calculator. Identify what's needed such as income, credit, reserves, and documentation to qualify, while gauging which option suits your needs best. Our latest mortgage calculator also allows for a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you in determining the most suitable program in for your financial condition.
Loan constraints and downpayment needs for 2026 in Pacheco, Contra Costa county, CA
Loan Type
Loan Limit
Initial Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Choosing USDA and FHA loans in Pacheco, CA
The aim of Lendersa® is to swiftly secure you the optimal USDA or FHA loan without complications. Start with one of three paths destined to match you with lenders and USDA loan programs.
The USDA home loan offers a government-backed mortgage through the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. Unlike FHA loans that demand a minimum down payment of 3.5%, USDA loans require no down payment whatsoever.
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