USDA Loan Vs. FHA loan for Sacramento, CA [Sacramento County ]

In 2026, the USDA loan cap for Sacramento, located in Sacramento county, CA, is $540,000. Concurrently, the FHA limit for a single-family home is set at $763,600.

The Lendersa® USDA loan calculator is an excellent resource for comparing current USDA to FHA rates. It assesses the income, credit, reserves, and paperwork necessary for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loan options side by side, aiding in the selection of the ideal program for your unique financial circumstances, especially in .

Exploring USDA and FHA Loan Opportunities in Sacramento, CA

The mission at Lendersa® is to swiftly provide you with the optimal USDA or FHA loan without unnecessary hassle. You can choose from three starting points designed to match you with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan is government-guaranteed by the Department of Agriculture, frequently referred to as the USDA rural development loan or USDA mortgage, available exclusively in rural areas. While FHA loans require a minimum 3.5% down payment, the USDA mortgage loan requires no down payment at all.

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Sacramento Lenders
(916) 802-0901 Lender's profile and map Floyd Eugene Luman II 4520 61st Street, Sacramento, CA, 95820 Lends in California I have been providing my customers exceptional customer service for over 15 years I have had several positions in the mortgage industry that have giving me the insight and understanding of the entire loan process. With this knowledge I am able to get loans approved quicker with fewer conditions which lead to a shorter loan process times.
916-277-9304 Lender's profile and map Socotra Capital 2208 29th St Suite 100, Sacramento, CA, 95817 Lends in California Socotra Capital is California's Private Money Lender. As a solution oriented lender we specialize in providing financing for real estate investors throughout California on projects that cannot be financed through traditional methods. Whether it be a bridge loan, fix and flip loan commercial refinance, ground up construction project.
(916) 835-2782 Lender's profile and map Sunrise Vista Mortgage 836 57th Street, Suite 202, Sacramento, CA, 95819 Lends in California The Sunrise Vista Mortgage Team is your premier mortgage team located in Sacramento, California. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage and also While offering the full spectrum of all CONVENTIONAL residential loan products, GOVER
(916) 966-9000 Lender's profile and map Capital Five Finance 4825 J Street, Suite 201, Sacramento, CA, 95819 Lends in California "CAPITAL FIVE FINANCE is a leader in providing financing for both commercial and residential real estate, as well as business opportunities. We finance small to large businesses and residences, and have a broad portfolio of financial products to fulfill almost any capital need for our borrowers."
(800) 582-5503 Lender's profile and map Golden Pacific Bank, National Association 1409 28th Street, Sacramento, CA, 95816 Lends in California We proudly offer customized products and services to small and medium size businesses in our local area. We supplement our traditional bank loans with government guaranteed options that can provide benefits to our clients that they may not have in our conventional loan product. Our mission is to provide exceptional personal banking services.
(916) 396-0967 Lender's profile and map Wholesale West Lending Inc 725 30th street, Suite 203, Sacramento, CA, 95816 Lends in California "Rafael Jauregui and his staff have dedicated themselves to providing outstanding services to customers involved in the financing of residential real estate Rafael Jauregui is committed to providing excellence you deserve. From the first-time homebuyer needing down payment assistance to the sophisticated investor"
(916) 416-5626 Lender's profile and map KMG Kappel Mortgage Group, Inc. 3673 J Street Sacramento, Sacramento, CA, 95816 Lends in California Welcome to Kappel Mortgage Group! Where you will find mortgage brokers that are experts and understand the local market and rates so that you can ensure you are getting the best deal. Whether you are first time home buyer purchasing your dream home, refinancing an outstanding loan.
(916) 701-9930 Lender's profile and map Rafael Arrieta Mortgage Loans 2716 Broadway, Sacramento, CA, 95818 Lends in California When you need a mortgage that meets your Goals, Rafael will help you understand the mortgage process. Make a smart financial decision with your next mortgage. Since October 2019, Rafael Have been working. Rafael is younger Spanish speaking Person. Rafael’s educational background is in database management.
(916) 453-7533 Lender's profile and map Michael Buccella Mortgage Lender 2716 Broadway, Sacramento, CA, 95818 Lends in California My name is Michael and I am so glad you clicked on my Yelp page. I would like nothing more than to earn your business and your trust and I hope your visit here will encourage you to reach out to me, even if you just have a simple mortgage or real estate question that you would like to ask.
(916) 284-6844 Lender's profile and map Kathleen Beck - Mortgage Lender 2716 Broadway, Sacramento, CA, 95818 Lends in California "I am a Direct Lender as well as a Mortgage Broker, and as a result, have Great Home Loan Programs, Low Interest Rates and Fast Turn Times. Many people when financing a home do not take the time to understand the lender’s fees because they are shopping for the “Best Rate”. Sometimes the “Best Rate” is at a cost to the borrower. "