USDA and FHA Pro and Con in Sebastopol, Sonoma County, CA
For 2026, the USDA loan limit in Sebastopol, within the county of Sonoma, CA, is $763,200; however, for a single-family dwelling, the FHA limit is $861,350.
Utilize the Lendersa® USDA loan calculator to explore today's most favorable USDA versus FHA rates. This tool helps you ascertain the necessary income, credit score, reserves, and documentation needed to qualify. You can also compare USDA, FHA, Conforming, and VA options side-by-side, aiding you to choose the best program for your specific financial profile in .
2026 Loan Limits and Downpayment Conditions in Sebastopol, County of Sonoma, CA
Loan Type
Loan Limit
Down payment
USDA
$763,200
0%
FHA
$861,350
3.5%
Conventional Conforming
$861,350
3%
Discovering USDA and FHA Loan Choices in Sebastopol, CA
At Lendersa®, our commitment is to secure the optimal USDA or FHA loan for you swiftly and without complications. Start with any of our three paths to match with lenders and USDA loan solutions effectively.
A USDA home loan is a government-backed mortgage by the Department of Agriculture, often termed the USDA rural development loan or USDA mortgage, accessible in rural communities. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages require no down payment at all.
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