USDA VS FHA in Yountville, Napa County, CA

In 2026, the USDA loan limit for Yountville, situated in the county of Napa, CA, is $717,600. Meanwhile, the FHA ceiling for a single-family home is $1,017,750.

Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates, determining the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you examine USDA, FHA, Conforming, and VA programs side by side, helping you decide the most suitable option in for your financial scenario.

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2026 Loan Limits and Down Payment Specifications in Yountville, Napa, CA

Loan Type Loan Limit Down Payment
USDA $717,600 0%
FHA $1,017,750 3.5%
Conventional Conforming $1,017,750 3%

Exploring USDA and FHA Loan Opportunities in Yountville, CA

The mission of Lendersa® is to provide you with the best USDA or FHA loans quickly and without hassle. Choose from one of three starting paths that match you with suitable lenders and USDA loan programs.

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Understanding USDA Loans in CA

A USDA home loan, backed by the U.S. Department of Agriculture and known as either a USDA rural development loan or mortgage, is strictly available in rural regions. It distinguishes itself from FHA loans—which demand a minimum 3.5% down payment—by requiring no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



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