USDA Loan Vs. FHA loan for West-Sacramento, CA 2026

In the year 2026, the USDA loan cap for West-Sacramento, located in Yolo County, CA, is set at $478,400. Meanwhile, the FHA loan maximum for a single-family residence stands at $598,000.

With the Lendersa® USDA loan calculator, you can weigh today's top USDA and FHA rates, determining what income, credit profile, reserves, and documentation are essential to qualify. Our sophisticated mortgage calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, helping you choose the most suitable program for your financial needs in .

Available USDA and FHA Loans in West-Sacramento, CA

Lendersa® aims to swiftly and effortlessly secure the most favorable USDA or FHA loan for you. Opt for any one of the outlined steps to connect with lenders and USDA loan programs.

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Understanding USDA Loans in CA

The USDA home loan, backed by the U.S. Department of Agriculture, also known as the USDA rural development mortgage, is exclusively for properties in rural areas. Unlike FHA loans, which need a minimum down payment of 3.5%, the USDA mortgage requires no down payment.

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West-Sacramento Lenders
(916) 228-4930 Lender's profile and map Elevate Mortgage 717 K Street, Suite 510, Sacramento, CA, 95814 Lends in California Elevate mortgage is a diverse, experienced team of mortgage professionals who are client focused and bring results. With access to over 100 different lenders, we can provide you the best financing available. Over 75% of our business comes from past clients and referral partners who are confident in our abilities.
(916) 761-4915 Lender's profile and map Eric Teply Mortgage Advisor 1231 I Street, Suite 203, Sacramento, CA, 95814 Lends in California Purchasing a home can be one of the largest decisions one will ever make. Home purchasing is not only about a home loan, but also about how the loan integrates itself within your other financial responsibilities and goals. I have worked in the mortgage business for over a decade.
(530) 400-3501 Lender's profile and map PMI 520 Capitol Mall, Suite 780, Sacramento, CA, 95814 Lends in California Professional Mortgage Associates (PMA) is a California Mortgage Corporation licensed by the California Department of Real Estate and endorsed by the NMLS as a Mortgage Loan Originator. PMA's corporate administrative staff have a combined history of over 60 years in the mortgage and real estate industry.
(916) 502-3463 Lender's profile and map Securus Group 1231 I Street, Suite 203, Sacramento, CA, 95814 Lends in California Securus Home Loans, where we specialize in residential mortgages. At Securus Home Loans, we work to find loans that fit indiviudal borrower’s needs. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
(916) 999-5380 Lender's profile and map 101 Mortgage & Realty 1231 I Street, Suite 203, Sacramento, CA, 95814 Lends in California At Professional Mortgage Associates, we work with many home buyers who are looking to purchase in the Sacramento, CA area. When working together, we can help you find the right home loan to finance your dream. We care about our customers, which is why our phones are always on. Contact us any time, day, or night.
(916) 442-1459 Lender's profile and map Professional Mortgage Associates 1231 I Street, Suite 203, Sacramento, CA, 95814 Lends in California We at Professional Mortgage Associates have a friendly, professional staff available to answer all your home finance questions with no obligation. We promise to always give you sound advice before earning your business. Your loan application may be made by telephone, fax, e-mail or in person.
(888) 484-7675 Lender's profile and map Simple Mortgage Financial 500 Capitol Mall, Sacramento, CA, 95814 Lends in California At Simple Mortgage Financial we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
(916) 444-6070 Lender's profile and map Sacramento Credit Union PO Box 2351, Sacramento, CA, 95812 Lends in California Sacramento Credit Union (SCU) is member-owned, meaning each member has a say in how we conduct business. As a not-for-profit institution, we prioritize members' goals and provide modern products and conveniences that help you manage and grow your money, all delivered with personalized, attentive service.
(916) 556-1900 Lender's profile and map Mayer & Clifton Partners 920 20th Street, Suite 125, Sacramento, CA, 95811 Lends in California It has been the goal of our company from inception to be the borrower’s advocate and we pride ourselves on personally guiding each and every transaction through the debt or equity placement process from beginning to end. In doing so we provide our clients with outstanding service.
(916) 833-2920 Lender's profile and map Orbit Home Loans 1913 Capitol Avenue, Suite D, Sacramento, CA, 95811 Lends in California Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.