USDA Vs. FHA Pro and Con comparison in Wilton, Sacramento County, CA
In 2026, the USDA loan limit in Wilton, within Sacramento county of CA, is $540,000, whereas the FHA limit for a single-family home is $763,600.
Use the Lendersa® USDA loan calculator to compare today's leading rates for USDA versus FHA loans. It helps you determine the income, credit score, reserves, and papers needed for qualification. Our cutting-edge mortgage calculator allows for a direct comparison of USDA, FHA, Conforming, and VA loans. This feature facilitates informed decisions about the best program available in Alabama for your financial scenario.
2026 Loan Limits and Downpayment Requirements in Wilton, Sacramento, CA
Loan Type
Loan Limit
Down Payment
USDA
$540,000
0%
FHA
$763,600
3.5%
Conventional Conforming
$763,600
3%
Exploring USDA and FHA Loan Alternatives in Wilton, CA
The aim of Lendersa® is to quickly and effortlessly secure you the most favorable USDA or FHA loan. Choose from three starting options that help match lenders with appropriate USDA loan programs.
Known as USDA rural development loans or USDA mortgages, these home loans are government-guaranteed through the Department of Agriculture and are exclusively available in rural regions. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgage loans require no down payment, making them more accessible.
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