In 2026, the USDA loan cap in Union-City, Alameda County, CA is $657,900, whereas the FHA limit reaches $822,375 for a single-family home.
The Lendersa® USDA loan calculator lets you compare current USDA and FHA rates to ascertain the income, credit, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best choice for your financial condition in .
2026 Loan Limits and Downpayment Requirements in Union-City, Alameda, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Choices in Union-City, CA
Lendersa® aims to secure you the ideal USDA or FHA loan efficiently and without trouble. Begin with one of the three provided options to find matching lenders and existing USDA loan offers.
A USDA home loan is endorsed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is accessible only in rural sectors. Opposed to FHA loans that necessitate a 3.5% down payment, USDA loans demand no down payment at all.
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