For 2026, the USDA loan limit in Redding, within Shasta County, CA, is set at $384,900, whereas for a single-family home, the FHA limit is $472,030.
Leverage the Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates, determining necessary income, credit, reserves, and documentation for qualification. With this advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, helping you find the best program for your financial scenario in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $384,900 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to secure the best USDA or FHA loan for you quickly and without hassle. Choose from three starting points to find matching lenders and suitable USDA loan programs.
A USDA home loan, supported by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is restricted to rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, a USDA loan requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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