As of 2026, the USDA loan cap in Roseville, within Placer county, CA, is $540,000. Meanwhile, the FHA limit for a single-family home is $763,600.
Utilize the Lendersa® USDA loan calculator to evaluate and compare today's top USDA versus FHA rates, and determine the income, credit, reserves, and documentation required for qualification. The advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loan options side by side, assisting in selecting the best program in for your unique financial circumstances.
2026 Loan Limits and Down Payment Needs in Roseville, County of Placer, CA
Loan Type
Loan Limit
Down Payment
USDA
$540,000
0%
FHA
$763,600
3.5%
Conventional Conforming
$763,600
3%
Exploring USDA and FHA Loan Options in Roseville, CA
The aim of Lendersa® is to efficiently connect you with the best USDA or FHA loan options, minus the hassle. Choose from one of three initial paths that lead to matching lenders and USDA loan packages.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is available solely in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans do not require any down payment.
The Egleston Group offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan.
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