During 2026, in Salton-City, located in Imperial county, CA, the USDA loan cap is set at $285,000, while the FHA cap for single-family homes is $356,362.
Leverage the Lendersa® USDA loan calculator to evaluate the best rates for USDA versus FHA loans today. Determine the required income, credit score, reserves, and documentation for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side to help you decide the optimal program for your financial situation in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The objective of Lendersa® is to provide you with the best USDA or FHA loan as quickly and conveniently as possible. Choose from one of three starting strategies that connect you with matching lenders and USDA loan options.
The USDA home loan, also known as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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