As of 2026, the USDA loan cap in Winton, within the county of Merced, CA, stands at $341,900, whereas for a single-family residence, the FHA limit reaches $472,030.
Utilize the Lendersa® USDA loan calculator to analyze the optimal USDA and FHA rates available today. It also helps to evaluate income, credit score, reserves, and necessary documents for qualification. This advanced mortgage calculator lets you assess USDA, FHA, Conforming, and VA options side by side, aiding your financial decision in
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| Loan Category | Limit Amount | Down Payment |
| USDA | $341,900 | 0% |
| FHA | $472,030 | 3.5% |
| Conforming Conventional | $726,200 | 3% |
At Lendersa®, our mission is to secure you the most beneficial USDA or FHA loan swiftly and with ease. You have three pathways to find matching lenders and USDA programs:
A USDA home loan, guaranteed by the United States Department of Agriculture (USDA), is also termed a USDA rural development loan or USDA mortgage. It is exclusive to rural locales. Contrasting with FHA loans that necessitate a minimum 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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