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.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $540,000 | 0% |
| FHA | $763,600 | 3.5% |
| Conventional Conforming | $763,600 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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