In 2026, the USDA loan limit in Santa-Rosa-Valley, situated in Ventura county, CA, is $591,500. On the other hand, the FHA limit for a single-family residence is $739,450.
Utilize the Lendersa® USDA loan calculator to assess the top rates between USDA and FHA today, identifying the income, credit rating, reserves, and necessary documents needed for qualification. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA options concurrently, providing the comparisons needed to decide which program in
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| Loan Type | Loan Ceiling | Minimum Down Payment |
| USDA | $591,500 | 0% |
| FHA | $739,450 | 3.5% |
| Conventional Conforming | $739,450 | 3% |
Lendersa® aims to grant you the best possible USDA or FHA loan efficiently, avoiding unnecessary hassle. Begin with one of three starting options that align with lenders and USDA loan offerings.
A USDA home loan, backed by the Department of Agriculture, also termed as a USDA rural development loan or USDA mortgage, is designed specifically for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans come with no down payment requirement at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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