USDA and FHA Pro and Con in Parkway, Sacramento County, CA

For 2026, the USDA loan limit in Parkway, located in Sacramento, CA, stands at $540,000, while the FHA limit for a single-family home is $763,600.

Using the Lendersa® USDA loan calculator, you can compare today's leading USDA and FHA rates. Determine the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, assess USDA, FHA, Conforming, and VA loans side by side to choose the best program to match your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Parkway, Sacramento County, CA

Loan Type Loan Limit Down Payment
USDA $540,000 0%
FHA $763,600 3.5%
Conventional Conforming $763,600 3%

Exploring USDA and FHA Loan Options in Parkway, CA

The key goal of Lendersa® is to fast-track getting you the best USDA or FHA loan, free of hassle. Begin with one of three starting paths leading you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in CA?

A USDA home loan, guaranteed by the Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage, and is available only in rural neighborhoods. Unlike FHA loans with a minimum 3.5% down payment, USDA loans do not require any down payment.

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



Parkway Lenders

  • Allequities Funding
  • 3811 Florin Road, Suite 3, Sacramento, CA, 95823
  • Lends in California
  • This is a new and innovative home ownership program that allows qualified home buyers to buy homes with 1% down payment. You may have owned a home before and are presently renting, or maybe you are a first time home buyer and need a way to break into the housing market but are holding back.

  • Pacific Wholesale Mortgage
  • 7412 Elsie Avenue, Suite 300, Sacramento, CA, 95828
  • Lends in California
  • Pacific Wholesale Mortgage is structured as a multi-level marketing company, otherwise referred to as an "MLM". This structure is designed to let you be our marketing and sales force. Instead of spending thousands of dollars on standard advertising methods, we pay you to share Pacific Wholesale Mortgage products with others.

  • Cig Realty & Loans Sacramento
  • 7637 McMullen Way, Sacramento, CA, 95828
  • Lends in California
  • We began working in the Real Estate Broker/Mortgage Broker industry in 1998. In 2004, we purchased controlling interest in CIG Realty & Loans, Sacramento, a real estate and mortgage brokerage. CIG is licensed by the department of real estate in the state of California and specializes in real estate sales and commercial real estate lending.

  • Elite Norcal Corporation
  • 7412 Elsie Avenue, Sacramento, CA, 95828
  • Lends in California
  • Elite Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of California. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.

  • King of Loans
  • 9245 Laguna Springs Dr, Unit 200, Elk Grove, CA, 95758
  • Lends in California
  • 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.

  • HOME IN 15
  • 9280 W Stockton Blvd, Suite 224, Elk Grove, CA, 95758
  • Lends in California
  • The HomeIn15 Team is a group of experienced mortgage professionals dedicated to taking you from shopping for a home to homeownership in 15 days or less! Our commitment to customer service and quality of process allows us to do in 15 days what is taking the industry an average of 45 days!

  • Equity Zone Mortgage
  • 7811 Laguna Blvd, Suite 110, Elk Grove, CA, 95758
  • Lends in California
  • The Equity Zone Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of California. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt.

  • White House Realty Inc
  • 9245 Laguna Springs Drive, Suite 200, Elk Grove, CA, 95758
  • Lends in California
  • We are a Property Management Company offering services to anyone looking for, Rental Homes, Management Services, Leasing, Vendor Management, Tenant Placement and Landlord Services as well as Full Circle Investment Real Estate and Property Management Services. Established in 2011.

  • Beatific Associates Inc.
  • 9205 Daylor Street, Elk Grove, CA, 95758
  • Lends in California
  • Experienced Real Estate Broker & Mortgage Banker with a demonstrated history of Success, Operates as CEO of Beatific Associates Inc.( Real Estate Brokerage BRE#02056389 & Mortgage Banker NMLS#1724782 ) . Skilled in Negotiation, Private Money, Conventional Loans U.S. FHA Financing, U.S. VA Loans, USDA Loans of Investment Properties, 1031 Exchange.

  • Clear Point Mortgage
  • 9245 Laguna Springs Dr, Unit 200, Elk Grove, CA, 95758
  • Lends in California
  • 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