USDA Vs. FHA Pro and Con comparison 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.
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We know that the first step toward achieving your real estate dreams is securing the necessary finances, and we are ready to help your dreams come to life.
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