In 2026, the USDA loan limit in Placerville, located in the county of El Dorado, CA, is $540,000, whereas for a single-family home, the FHA limit stands at $763,600.
To compare today's best rates between USDA and FHA, use the Lendersa® USDA loan calculator. It helps you figure out the required income, credit standing, reserves, and documentation needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side for you to determine the ideal program in Alabama that suits your financial position.
2026 Loan Limits and Down Payment Requirements in Placerville, El Dorado, CA
Loan Type
Loan Limit
Down Payment
USDA
$540,000
0%
FHA
$763,600
3.5%
Conventional Conforming
$763,600
3%
Explore USDA and FHA Loan Options in Placerville, CA
Lendersa® is dedicated to delivering the best USDA or FHA loans to you quickly and conveniently. Choose from one of three starting points to match with lenders and explore USDA loan programs.
A USDA home loan, guaranteed by the government through the Department of Agriculture, is also called a USDA rural development loan or USDA mortgage and is available exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, a USDA mortgage requires no down payment at all.
4535 Missouri Flat Rd, Suite 2E, Placerville, CA, 95667
Lends in California
EZ Mortgages was founded by Eric Grathwol (NMLS 239756), a mortgage industry veteran, on the principle that real estate financing doesn’t have to be a painful, unpleasant experience for you. We understand that although every individual borrower and scenario is unique, each lender has standard requirements that are very uniform.
With 26 years of mortgage experience, Sierra Home Mortgage specializes in helping homeowners 62+ understand how a reverse mortgage may improve their retirement. Reverse mortgages can be powerful financial tools designed to create greater flexibility in retirement. My approach is simple: no pressure, just clear education about your options and how your home equity may work for you. Please call (925) 788-8949 for details.
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.
3161 Cameron Park Drive, Suite 108, Shingle Springs, CA, 95682
Lends in California
Vision Mortgage was established in 1998 with customer service at the forefront of its mission plan. The company’s major growth pattern spans over the last 5 years. The foundation of this growth has been the continued focus on customer service coupled with the best interest rates in the industry.
3420 Coach Lane, Suite 12, Shingle Springs, CA, 95682
Lends in California
We are a full-service mortgage company based in Cameron Park, CA. We specialize in Conventional loans, FHA loans, and VA loans. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
981 Governor Dr, Suite 102, El Dorado Hills, CA, 95762
Lends in California
Jason Alcazar, your local California mortgage professional. As a licensed mortgage originator, my reputation is built on professionalism, integrity and the ability to keep transactions on track. I am dedicated to helping my clients obtain a mortgage that fits their specific financial goals.
1107 Investment Blvd, Suite 290, El Dorado Hills, CA, 95762
Lends in California
The Van Patten Group is a full-service mortgage company based in beautiful Sacramento, CA. We specialize in FHA, Conventional, VA Mortgages. We serve California, Florida Colorado and Tennessee.Van Patten Group is a full-service mortgage company based in beautiful Sacramento, CA. We specialize in FHA, Conventional, VA Mortgages.
4949 Windplay Drive, Suite 125, El Dorado Hills, CA, 95762
Lends in California
At Western Heritage Financial, Inc. We are a referral-based, family-owned company based in El Dorado Hills. Specializing in both home purchases and refinances, we have been helping California families and individuals obtain mortgage financing since 1980. we are sure to structure a tailored program that perfectly matches your mortgage goals.
989 Governor Drive, Suite 101, El Dorado Hills, CA, 95762
Lends in California
Equip Mortgage was founded on the idea that we aren’t just here to provide loans. We’re here to assist with your largest investment, and support you even beyond your purchase. That is why we have quickly become one of the best mortgage lenders in Northern California. and also Mortgage Broker providing incredible service and best mortgage.
Auburn Branch is a branch office of River Valley Community Bank. They provide the following services: Full Service Office Location and are located at 905 Lincoln Way Suite 100 in Auburn California. Mobile and traditional directions to this location can be found below along with ratings, online banking website and additional banking information.
