As of 2026, the USDA loan ceiling in Rio-Dell, which is part of Humboldt county, CA, stands at $343,200. In comparison, the FHA limit for a single-family home is $356,500.
Take advantage of the Lendersa® USDA loan calculator to assess and contrast the top USDA and FHA rates available today. This tool is engineered to assess the income, credit scores, reserves, and necessary documentation required for qualification. Having our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, thus aiding in determining the best program tailored to your particular financial needs in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $343,200 | 0% | |
| FHA | $356,500 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to quickly and effortlessly get you the most favorable USDA or FHA loans. Choose one of three starting points, which ultimately lead to matching lenders and aligning with suitable USDA loan programs.
The USDA home loan, guaranteed by the government's Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is only available for rural neighborhoods. Unlike FHA loans that necessitate a minimum of 3.5% down payment, the USDA mortgage does not require any down payment at all, making it an attractive option for many borrowers in these areas.
Enter your location to find out if it qualifies for USDA rural housing loan?
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