In 2026, the USDA loan threshold in Tracy, within San Joaquin county, CA, is set at $556,200. Meanwhile, the FHA limit for a single-family residence is $656,650.
The Lendersa® USDA loan calculator lets you compare today's best USDA and FHA rates, evaluating the necessary income, credit, reserves, and documentation for qualification. This advanced mortgage calculator presents USDA, FHA, Conforming, and VA loan programs side by side, helping you decide which option in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $556,200 | 0% |
| FHA | $656,650 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to secure the best USDA or FHA loan swiftly and without hassle. Choose one of these three starting options to be matched with relevant lenders and USDA programs.
A USDA home loan is backed by the government Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, and is available only in rural neighborhoods. Unlike FHA loans, which require a 3.5% down payment, a USDA mortgage requires none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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