USDA and FHA Pro and Con in Richmond, Contra Costa County, CA
As of 2026, the USDA loan limit in Richmond, within Contra Costa County, CA, is set at $776,600. In comparison, the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to pit today's USDA against the FHA's best rates, and determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side to assist in deciding which program in best fits your financial scenario.
2026 Loan Limits and Down Payment Requirements in Richmond, Contra Costa County, CA
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Explore USDA and FHA Loan Options in Richmond, CA
At Lendersa®, our aim is to provide you with the most suitable USDA or FHA loan swiftly and with ease. Start with one of three pathways to discover matching lenders and compatible USDA loan programs.
A USDA home loan, often called a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment.
Legacy Lending Mortgage Group offers high-quality mortgage brokerage services to residential customers. Our aim is to provide our customers with fair mortgage rates at reasonable prices, while keeping our clients informed & educated throughout the process. We will be transparent and be sure to keep all parties involved in the transaction informed.
One of the biggest rewards in my business life is helping people achieve their dreams of home ownership. From first time homeowners, to experienced multi-home real estate investors, I can make the process smooth and easy for any buyer. Take advantage of my 23+ years of mortgage experience and over 1500 mortgages closed.
At People First Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. People First Financial has the perspective, insight, and experience to handle your financing needs.
860 Boardman Canfield Rd, Suite 101, Youngstown, OH, 44512
First Equity Mortgage Group, LLC. We are a full service mortgage broker. Whether you are buying a home or refinancing, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.And we offer the following: FHA | FHA 203k| VA | USDA | Jumbo | Conventional
UNB will meet with immediate success in serving the financial needs of a rapidly expanding community.We will work hard to earn the confidence and trust you have placed in us. We know our neighbors and we will offer more personalized and friendlier service in meeting all of your financial needs
15 Colonial Drive, Suite 14, Youngstown, OH, 44505
Mahoning Valley Federal Credit Union is committed to providing friendly accurate prompt & professional financial services to all our members. It is our responsibility to provide these benefits to our members & maintain adequate capital reserves. We will promote an atmosphere in which our employees are stimulated to achieve outstanding performances
DOY is not driven by the profit motive. There are no outside shareholders to satisfy. DOY's main purpose is to serve their membership in two primary areas: saving and borrowing. Therefore, DOY has a very strict and conservative lending and investment policy.
DOY confines its lending to its own creditworthy members
Valley Economic Development Partners is a private, non-profit organization focused on the social well-being of the Mahoning Valley and its surrounding regions. Our mission is to be a leader in developing employment opportunities through business creation, expansion, and retention in collaboration with other regional organizations.
Carter Finance has been serving families in East Tennessee, Western North Carolina, and Southwest Virginia for more than 60 years. Carter Finance was originally opened to service the Carter County area in 1953. A branch office was opened in Mountain City in 1991 to allow us to better serve our Johnson County customers.
Greenville Federal Credit Union is a community-responsible financial institution providing the highest quality of service and financial education to all our member-owners. We build member prosperity by providing access to affordable financial services. Headquartered in Greenville, South Carolina, Greenville Federal Credit Union was founded in 1968
