In the year 2026, the USDA loan ceiling for single-family homes in San-Francisco, located in the county of San Francisco, CA, stands at $657,900. Meanwhile, the FHA sets its limit at $822,375.
To evaluate USDA versus FHA optimal rates today, utilize the Lendersa® USDA loan calculator. This tool helps you understand the income, credit, reserves, and necessary documents for qualification. Our sophisticated mortgage calculator allows you to juxtapose USDA, FHA, Conforming, and VA programs side by side so you can choose the one that best suits your financial situation in
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| Type of Loan | Limit on Loan | Initial Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
At Lendersa®, our objective is to facilitate you in securing the finest USDA or FHA loan swiftly and smoothly. Choose from three different paths to connect with matching lenders and USDA loan programs.
A USDA home loan is a mortgage backed by the U.S. Department of Agriculture, also known as a USDA rural development or mortgage loan. It's exclusively available in rural areas. The key distinction is that, unlike FHA loans that mandate a minimum down payment of 3.5%, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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