USDA Vs. FHA Pro and Con comparison in San-Ramon, Contra Costa County, CA

In 2024, USDA loan limit in San-Ramon, county of Contra Costa, CA is $657,900 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2024 loan limits and downpayment requirments in San-Ramon, 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%

USDA and FHA loan options in San-Ramon, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • The Stoffer Mortgage Company Inc
  • 100 30th St Nw, Suite 106, Canton, OH, 44709
  • Stoffer Mortgage is a mortgage services company based in Canton, Ohio. We offer conventional, FHA, USDA, jumbo, and VA mortgages for residential transactions to purchase or refinance one to four-unit dwellings. These properties can be utilized for owner occupancy, vacation/second homes, or investment.
  • PIONEER FINANCIAL SERVICES, INC
  • 2515 Cleveland Ave N, Canton, OH, 44709
  • Pioneer Financial Services Inc. is a locally owned and operated company serving all of Ohio. Founded in 2000, we were built on honesty, integrity, and personal service. We offer a wide variety of loan programs with fast and efficient service. Our knowledgeable staff has over 50 combined years of experience originating mortgage loans.
  • Community First Bank, Inc.
  • 3685 Blue Ridge Boulevard, Walhalla, SC, 29691
  • Our mission is to provide superior performance and outstanding customer service, while earning a reasonable profit. We will maintain safety and soundness and remain an independent bank, while being fully aware of opportunities to acquire other financial institutions. Community First Bank opened for business in March of 1990.
  • Hometown Bank OH
  • 142 North Water Street, Kent, OH, 44240
  • We opened in Kent in 1898 as a state-chartered building & loan association called Home Building & Loan Company. Early services were limited to financing area homes. After many years as a successful building & loan, we changed our name in 1953 to Home Savings and Loan Association, having taken on more in the way of services to savers and borrowers.
  • Dollar Bank
  • PO Box 8469, Canton, OH, 44711
  • Founded in 1855, Dollar Bank is, well, different. We’re an independent community bank. That means no publicly traded stock and no shareholders. And that means we can focus on what we do best: empowering the people and communities we serve to do the things they hold dearest. Over more than 165 years, we’ve grown to become a large
  • First American Bank & Trust
  • 300 College Avenue, Athens, GA, 30601
  • At First American Bank & Trust, our core convictions are not just vague words in a book no one reads. For us, it's the way our business is done. We found them easy to identify because it's what we do. They're what make us the strong and stable, local bank that's here for you. We are a financial institution that specializes in serving you.
  • Oconee State Bank
  • 35 North Main Street, Watkinsville, GA, 30677
  • Oconee State Bank is a locally owned and operated Community Bank in Oconee County, offering a competitive line of products and services. Oconee State Bank has 3 full-service branches located in Oconee County, GA. In December 2004, the H. Mell Wells Operations Center and Rosella E. Hansford Learning Center were dedicated.
  • Remarkable Mortgage
  • 35 North Main Street, Watkinsville, GA, 30677
  • Remarkable Mortgage leaves a lasting impression on the customers we serve, bringing confidence and simplicity to home financing. Launched by an experienced team of loan advisors in February 2022, Remarkable Mortgage brings an innovative and progressive approach to mortgage loans by offering top-notch customer service and customized loan solutions.
  • Jenny Terrell
  • 1120 Mars Hill Road, Watkinsville, GA, 30677
  • At BOE Mortgage, we take pride in being there when our borrowers need us, day and night. Our mission is to deliver total value to our customers. This means competitive rates, STRESS-FREE closings, extensive product knowledge, and a friendly attitude.value to our customers. We provide our clients with the expertise