USDA and FHA Pro and Con in San-Ramon, Contra Costa County, CA
In 2026, the USDA loan limit for San-Ramon in Contra Costa County, CA stands at $657,900, whereas the FHA limit is $822,375 for a single-family residence.
Utilize the Lendersa® USDA loan calculator to compare the best current rates for USDA and FHA loans, and to identify the necessary income, credit, reserves, and documentation required for qualification. Through our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding the optimal program for your financial situation in .
Loan limits and down payment requirements in San-Ramon, Contra Costa County, CA for 2026
Loan Type
Loan Limit
Down payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Loan Choices in San-Ramon, CA
Lendersa® focuses on securing you the most advantageous USDA or FHA loan quickly and with minimal stress. Choose from three different starting approaches that lead to matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is exclusive to rural areas. In contrast to FHA loans, which demand a 3.5% minimum down payment, USDA loans require no down payment.
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