USDA VS FHA in San-Lorenzo, Alameda County, CA

In 2026, the USDA loan limit for San-Lorenzo in the county of Alameda, CA, reaches $657,900, while the limit for FHA on a single-family home is $822,375.

Employ the Lendersa® USDA loan calculator to analyze today’s most competitive USDA versus FHA rates, figuring out qualifications regarding income, credit, reserves, and documentation. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, so you can choose the best program in that fits your financial circumstances.

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2026 Loan Limits and Down Payment Requirements in San-Lorenzo, County of Alameda, CA

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

USDA and FHA Loan Options in San-Lorenzo, CA

The objective of Lendersa® is to quickly and conveniently secure you the best USDA or FHA loan. Choose one of three starting points to connect with lenders and USDA loan programs.

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Defining the USDA Loan in CA

A USDA home loan, also known as a USDA rural development loan or mortgage, is provided by the government Department of Agriculture. It's available solely in rural locales. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans demand no down payment at all.

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



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  • With over 50 years of combined experience in mortgages we are experts in our field and will help structure a loan for you no matter what your situation. We have the latest technology that allows us to give you the best customer experience during what can be a very stressful time. Most often times this will be the biggest financial decision
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  • Grove Gate Lender Services is a Florida based, privately owned, niche loan servicer for private investors and small to medium regional banks. We specialize in working with each of our clients to develop a completely customized servicing program that meets the needs of our clients and their customer's unique requirements.
  • Clear 2 Close Lending LLC
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  • Ruthann Fong is a mortgage industry veteran with over 22 years’ experience in mastering business development, sales, and operations. Her team at Lendesta consists of highly-experienced, dual language (Spanish/English) home financing professionals. Her in-depth knowledge and expertise of the Florida Real Estate market.
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  • KLOZE powered
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  • KLOZE Powered by Nationwide Home Loans Corp is a Florida based mortgage lending firm recognized for its outstanding customer service and a strong reputation for getting even the most difficult of loans closed. We offer a wide variety of mortgage options, competitive pricing and sound advice about what is best for each client's individual situation.
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