USDA VS FHA in San-Ramon, Contra Costa County, CA

In 2025, 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 .

Explore loan offers from 100 different lenders

Loan limits and down payment requirements in San-Ramon, Contra Costa County, CA for 2025

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.

Lendersa USDA loan request with matching results

Understanding USDA Loans in CA

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.

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



  • Valley Bank of Helena
  • 3030 North Montana Ave., Helena, MT, 59601
  • Valley Bank proudly serves the Helena Valley and surrounding areas, helping businesses and individuals achieve their financial goals every day. We are a division of Glacier Bank, which is owned by Glacier Bancorp, Inc. (GBCI), a regional bank holding company headquartered in Kalispell, Montana.
  • Opportunity Bank of Montana
  • 1400 Prospect Ave, Helena, MT, 59601
  • At our heart we are a Montana community bank. We are part of each community we serve. We volunteer, donate, build, educate, and strive to make our communities stronger. Our mission is to provide strong financial futures for Montanans. Opportunity Bank of Montana opened our doors in Helena, Montana in 1922.
  • Vocal Credit Union
  • 2910 Prospect Ave, Helena, MT, 59601
  • Vocal Credit Union is an established financial institution whose operating principles are guided by our members. Since 1954, we have developed strong relationships with our membership and feel confident offering the full strength of our services to members at all stages of their lives. Our experienced and knowledgeable staff tailor.
  • Intrepid Credit Union
  • 915 Kessler St., Helena, MT, 59601
  • Intrepid Credit Union offers its members the latest in technology as well as a full menu of products — from all types of loans (including mortgage) to 24-hour account information by phone or internet, bill pay, free rewards checking, various savings accounts for all ages, as well as IRAs, Share Certificates, & Mastercard credit cards & debit cards.
  • Preferred Mortgage
  • 2066 Stadium Drive, Suite 202, Bozeman, MT, 59715
  • Here at A Preferred Mortgage Team we are all dedicated Montanans. We love the beauty and exceptional outdoor opportunities that wait just minutes away. This is why we live here and this is why A Preferred Mortgage Team was founded in 2000. Whether you are buying or refinancing your home, you should be able to afford a home in this beautiful st
  • First Security Bank
  • 208 East Main St, Bozeman, MT, 59715
  • First Security Bank is the community bank choice for southwest and central Montanans. Since the first branch opened over 95 years ago on Bozeman's Main Street, First Security has grown to be the market leader and offers the most branch and ATM locations in the area. The bank donates and supports employee volunteerism to over 250
  • Eagle Bank - MT
  • 80 Heritage Lane, Polson, MT, 59860
  • Our mission is to provide superior financial services while fostering lifetime relationships based on our philosophy that people matter most. Eagle Bank is truly a “Community Bank” with the Confederated Salish and Kootenai Tribes owning the bank on behalf of their approximately 8, 000 members.
  • Sunlight Federal Credit Union
  • 1702 17th Street, Cody, WY, 82414
  • Sunlight Federal Credit Union has been open since 1953. It's the 10th largest credit union in Wyoming with assets totaling $162.21 Million and providing banking services to more than 10, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working
  • American Southwest Credit Union
  • 3090 E Fry Blvd, Sierra Vista, AZ, 85635
  • We are a Co-Op and we help you thrive! By providing personal and business financial services to our members, with local decision making and local community investments, everyone benefits. We truly care about the success and financial well-being of our members. And when our members prosper, so do our communities.