In 2025, the USDA loan limit for Sonoma in the county of Sonoma, CA, is $763,200, whereas the FHA cap for a single-family home stands at $861,350.
Utilize the Lendersa® USDA loan calculator to contrast today's prime USDA and FHA rates, and ascertain necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator juxtaposes USDA, FHA, Conforming, and VA loans side by side, helping you select the best program for your financial scenario in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $763,200 | 0% |
| FHA | $861,350 | 3.5% |
| Conventional Conforming | $861,350 | 3% |
Lendersa® strives to deliver the optimal USDA or FHA loan swiftly and without complication. Choose from three approaches that align with matching lenders and USDA loan schemes.
A USDA home loan is a government-supported loan by the Department of Agriculture, known as a USDA rural development loan or mortgage, limited to rural areas. Different from FHA loans that demand at least a 3.5% down payment, the USDA mortgage requires zero down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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