In 2026, the USDA loan limit for Truckee, located in Nevada, CA, is $487,600, while the FHA limit for a single-family home is $644,000.
Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. This tool helps determine the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA side by side, assisting you in selecting the best option for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $487,600 | 0% |
| FHA | $644,000 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to promptly secure the best USDA or FHA loan for you without hassle. Choose from three starting points leading to lender matches and USDA loan programs.
A USDA home loan, backed by the government Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is exclusively accessible in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans need no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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