USDA VS FHA in Saranap, Contra Costa County, CA

In 2026, the USDA loan limit in Saranap, located in Contra Costa, CA, is $776,600. For a single-family home, the FHA limit is $1,089,300.

With Lendersa® USDA loan calculator, you can compare the best USDA and FHA rates currently available. Determine the necessary income, credit, reserves, and documents for eligibility. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, guiding you to select the best program in for your financial needs.

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2026 Loan Limits and Downpayment Requirements in Saranap, Contra Costa, CA

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Options in Saranap, CA

Lendersa® aims to readily connect you with the best USDA or FHA loan efficiently. Start with one of three entry points leading to matching lenders and USDA loan opportunities.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, backed by the Department of Agriculture and commonly referred to as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans that require a 3.5% down payment, USDA loans require none.

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



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