USDA Vs. FHA Pro and Con comparison in San-Leandro, Alameda County, CA

In 2026, the USDA loan limit for San-Leandro, in Alameda county, CA, is $657,900, while the FHA limit for a single-family property is $822,375.

The Lendersa® USDA loan calculator allows you to assess today's top USDA and FHA rates. Find out the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding your decision on the most suitable program for your financial situation in .

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Loan Limits and Down Payment Requirements for 2026 in San-Leandro, Alameda, CA

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Exploring USDA and FHA Loan Choices in San-Leandro, CA

Lendersa® intends to help you get the best USDA or FHA loans quickly and easily. Choose from three starting options that pair you with appropriate lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, guaranteed by the Department of Agriculture, is known as a USDA rural development loan or USDA mortgage. It is accessible only in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



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