For the year 2026, the USDA loan ceiling in Rialto, situated in San Bernardino county, CA, is specified as $776,600. In comparison, the FHA limit is $1,089,300 for a single-family home.
To compare today's optimal USDA and FHA rates, utilize the Lendersa® USDA loan calculator. It helps you ascertain the needed income, credit, reserves, and documents for eligibility. This sophisticated mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the program best suited for your financial needs in
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| Loan Type | Loan Cap | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® aims to quickly secure the best USDA or FHA loans without the hassle. Choose from three starting points that connect you with aligned lenders and USDA loan offerings.
A USDA home loan is backed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, and is only available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage doesn't demand any.
Enter your location to find out if it qualifies for USDA rural housing loan?
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