USDA Vs. FHA Pro and Con comparison in Richmond, Contra Costa County, CA

In 2024, USDA loan limit in Richmond, county of Contra Costa, CA is $776,600 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2024 loan limits and downpayment requirments in Richmond, county of Contra Costa, CA

Loan Type Loan Limit Down payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA loan options in Richmond, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • First Federal-South Carolina
  • 300 Robertson Blvd, Walterboro, SC, 29488
  • 1ST FEDERAL SAVINGS BANK OF SC, INC. “The Family Bank” Our institution was established in August of 1963 as First Federal Savings & Loan Association of Walterboro. Through the years our name has changed, but our founding principle has remained the same: providing outstanding service
  • Moneyline New York LLC
  • 502 Audubon Trail, Rochester, NY, 14622
  • 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.
  • First Chatham Bank
  • 111 Barnard Street, Savannah, GA, 31401
  • Opening its doors on January 23, 2002, First Chatham Bank became the first community bank chartered in Chatham County since 1989. Since that time, First Chatham Bank has proven to be the premier community bank in the Coastal Empire. The Bank was a vision of local business leaders.
  • InstaLoan
  • 15 Bull Street, Savannah, GA, 31401
  • At InstaLoan, we take the guesswork out of finding what the best loan is for you. Our friendly staff will review all of the different lending options with you. So whether you’re looking for a larger loan, a loan with easy payment options, or a loan where your credit score isn’t the primary factor in the approval process, InstaLoan can help
  • WIT Federal Credit Union
  • 22 4th Street, Rochester, NY, 14609
  • Since our founding in 1962 we have been there for our members through every stage of their lives. Whether starting out with a credit builder loan, student loan, first car… or if moving on to that new car, a Recreational Vehicle for fun, or a home mortgage, WIT has been and will be, here for you.
  • Rochester & Monroe County Employees Federal Credit Union
  • 460 N Goodman Street, Rochester, NY, 14609
  • Get the most out of your membership with Rochester & Monroe County Federal Credit Union. With a full range of financial products and services, our goal is to help make banking easy for our members so they can meet their goals. Members are eligible for a range of services to make banking, investing, and lending easier than ever.
  • Premium Mortgage Corporation
  • 2541 Monroe Ave, Rochester, NY, 14618
  • We focus on talent.We hire only the best & the brightest in the real estate industry.Our dynamic loan officers & processors are experts in all types of financing programs, dedicated to staying on top of the latest industry trends & changes to find the mortgage that fits your individual needs, so your financing process will go as smoothly as possibl
  • Island Mortgage
  • 56-2898 Haleakala View Place, Hawi, HI, 96719
  • Island Mortgage and Marcelle Loren have built a reputation as an outstanding mortgage loan provider serving the lending needs of homebuyers and homeowners, real estate professionals and builders throughout Hawaii.Having been in the mortgage business since 1976, Marcelle Loren provides expertise in every area of mortgage lending.
  • Savannah Postal Credit Union
  • 22 Ogletthorpe Professional Blvd, Savannah, GA, 31406
  • Savannah Postal Credit Union is a State-chartered credit union incorporated June 6, 1952. For more than 53 years we have existed solely for the purpose of serving our members' best interests. The credit union was originally established for employees of the United States Postal Service. Today we serve 10 employee groups in Savannah
  • American Financial Services Group
  • 7712 Waters Ave, Savannah, GA, 31406
  • American Financial Services is one of the oldest loan companies in Savannah. Our first office opened in 1956, and we still proudly serve people of Chatham County and the nearby towns sixty years later. In 2010, American Financial Services merged with Coastal Finance Company and relocated to the present location at 7712 Waters Ave, Savannah, GA.