USDA and FHA Pro and Con in San-Pablo, Contra Costa County, CA

For the year 2025, USDA loan limits in San-Pablo, located in the county of Contra Costa, CA, stand at $657,900. In contrast, the FHA loan limit for a single-family home is $822,375.

Compare today's best USDA and FHA rates using the Lendersa® USDA loan calculator. It allows you to assess the income, credit, reserves, and documentation necessary for qualification. Our comprehensive mortgage calculator displays side-by-side comparisons of USDA, FHA, Conforming, and VA loans, aiding in the decision of which program suits your financial circumstances in .

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2025 loan limits and down payment requirements in San-Pablo, county of Contra Costa, CA

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

Options for USDA and FHA loans in San-Pablo, CA

Lendersa® aims to quickly secure the most advantageous USDA or FHA loan for you, free from hassle. You can choose from three starting points, each leading to matched lenders and relevant USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, guaranteed by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is available exclusively in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA mortgage loans allow for 100% financing without any down payment.

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



  • Reduced Fee Mortgage Inc
  • 19950 Dodd Boulevard, Suite 102, Lakeville, MN, 55044
  • Arik Orosz has been at the top tier of the mortgage industry since 2003 and has been managing in the mortgage industry since 2004, until starting Reduced Fee Mortgage, Inc. A Mortgage company centered around finding you the best deal by shopping your loan to more than 30 different lenders.
  • Crown Bank
  • 6600 France Avenue South, Suite 125, Edina, MN, 55435
  • Crown Bank your relationship with us is a partnership and the relationship we build is an investment. We fundamentally believe that investing means you should get back more than you put in. Whether it’s personal banking or business banking, we promise our partnership entails growth and also Since 2000, we’ve built a reputation for being accessible
  • Minnesota Bank & Trust
  • 7701 France Avenue South, Edina, MN, 55435
  • We offer our employees unlimited opportunities for career development, growth and the ability to contribute to the vitality of your community. Our clients choose to bank with us because of our robust product offerings, high-touch service, and commitment and impact in our communities.
  • TCI Business Capital, a division of Fidelity Bank
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  • TCI Business Capital has provided best-in-class factoring solutions to thousands of small to midsize companies across the United States. These companies choose us because they need working capital and value the knowledge and expertise of the TCI team. Our fast invoice factoring helps support their growth and success.
  • BendOver BackWard Broker
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  • Dionna Ward handles your home financing with friendliness and finesse to get you moving forWARD with a mortgage or refinance. She brings her own personal touch to servicing her clients, which puts you at ease and gives you that much-needed assurance that she’s got your back during the entire process. She brokers your home loan with care.
  • Metropolitan Financial Mortgage Company
  • 4445 West 77th Street, Suite 210, Edina, MN, 55435
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  • Tradition Mortgage
  • 7601 France Ave S, Suite 170, Minneapolis, MN, 55435
  • The Tradition name represents a continual awareness and respect for the excellence of real estate development, real estate investment and real estate finance services. Tradition Companies is committed to the highest standards of quality, craftsmanship, community involvement and most importantly, a dedication to the customer.
  • Edge Home Finance Corporation
  • 4510 W 77th St, Suite 380, Edina, MN, 55435
  • "At Edge Home Finance Corporation, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We work with many wholesale lenders that provide a wide variety of products such as Conventional, FHA, VA and HARP 2.0."
  • Rainbow Mortgage Inc.
  • 3300 Edinborough Way, Suite 550, Edina, MN, 55435
  • "Rainbow Mortgage Inc. is owned and operated by local mortgage advisors Gale and David Jamison. Prior to starting Rainbow Mortgage Inc., David worked for a Fortune 500 company as a Sales Manager/Senior Underwriter in a division that closed over 1000 loans per month. David worked as an Alternative Loan Specialist with Wells Fargo."
  • Fayetteville Bank
  • 107 West Fayette Street, Fayetteville, TX, 78940
  • Fayetteville Bank has served the community for over 100 years! It serves as a full service community bank in Fayetteville, Schulenburg and La Grange, Texas. When banking with Fayetteville Bank, you will receive outstanding customer service, friendly smiles and a traditional banking experience you will not forget. Open an account or apply for a mort
  • Homes For Heroes
  • 9201 West Broadway Ave, Suite 615, Minneapolis, MN, 55445
  • Homes for Heroes, Inc., has helped over 51, 000 heroes save over $91 million on their real estate transactions, sold over $12 billion in real estate to heroes, actively partnered with more than 4, 200 like-minded real estate and mortgage professionals who’ve joined in the mission, and donated over $1 million to heroes.