For the year 2026, the USDA loan maximum in Vacaville, within Solano county, CA, is $491,200. Conversely, the FHA limit for a single-family home is $685,400.
Utilize Lendersa®'s USDA loan calculator to benchmark today’s optimal USDA and FHA rates. It helps determine the necessary income, credit rating, financial reserves, and required documents for qualification. Our sophisticated mortgage calculator allows for a side-by-side comparison of USDA, FHA, Conforming, and VA options, enabling you to choose the best program for your financial requirements in
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| Type of Loan | Maximum Limit | Down Payment |
| USDA | $491,200 | 0% |
| FHA | $685,400 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to find the best USDA or FHA loan for you promptly and effortlessly. Choose one of three starting paths to be matched with appropriate lenders and USDA loan options.
A USDA home loan, guaranteed by the Department of Agriculture and also referred to as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA mortgages require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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