In 2026, the USDA loan cap in West-Modesto, within Stanislaus county, CA, is $354,100. For a single-family home, the FHA limit stands at $396,750.
Utilize the Lendersa® USDA loan calculator for a comparison of today's competitive rates for USDA versus FHA. Determine necessary criteria including income, credit, reserves, and documentation for qualification. Our comprehensive mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA programs, guiding you to choose the optimal one for your financial scenario in Alabama.
Explore loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $354,100 | 0% |
| FHA | $396,750 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is committed to securing the most advantageous USDA or FHA loan for you promptly and with ease. Select from three initial approaches to match lenders with suitable USDA loan programs.
USDA home loans, also termed USDA rural development loans or USDA mortgages, are government-backed and available only in rural areas. They require no down payment, unlike FHA loans, which necessitate a 3.5% minimum down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
|
|
|
|
|
|
|
|
Bridge Loan Guides
