FHA VS Conventional loan in Rancho-San-Diego, San Diego County, California

In the year 2025, the county of San Diego in Rancho-San-Diego, CA has set the Conventional loan limit at $879,750, whereas the FHA limit for a single-family residence is established at $879,750.

Utilize the Lendersa® Conventional loan calculator to compare the most current Conventional, FHA, and USDA rates, along with determining the necessary income, credit, reserves, and documentation needed for qualification. Our extensive mortgage calculator provides side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans to assist you in making an informed decision about the best option available in CA for your financial situation.

Review and compare loan proposals from a network of 100 lenders

Loan limits and down payment standards for 2025 in Rancho-San-Diego, located in the county of San Diego, CA

Type of Loan Maximum Loan Limit Required Down Payment
Conventional Conforming $879,750 3%
USDA $615,000 0%
FHA $879,750 3.5%

These details pertain specifically to the following zip codes: 92019

Available Conventional and FHA loan choices in Rancho-San-Diego, CA

Lendersa® aims to promptly offer you the best possible loan options, be it Conventional, USDA, or FHA, swiftly and efficiently. Choose one of three starting paths that align you with suitable lenders and loan programs.

Lendersa USDA loan requests and matching outcomes


  • Rock Solid Info
  • 5397 Twin Knolls Road, Suite 13, Columbia, MD, 21045
  • For over 25 years, Rock Vaughan's focus in the mortgage industry has been to make sure that every customer has the best experience possible and walks away satisfied with their choices. Whether you are a first time home buyer or seasoned real estate expert, you will be treated with Rock Vaughan's utmost care and concern.
  • Leading Home Mortgage LLC
  • 6412 Saddle Drive, Columbia, MD, 21045
  • Nick Hoffner is the founder of Leading Home Mortgage LLC, a licensed mortgage company providing residential mortgages to customers purchasing or refinancing a home in Maryland. Nick has been in the mortgage business since 2006 and has helped more than a thousand people purchase or refinance their homes over the past 14 years.
  • Apex Mortgage LLC
  • 8850 Columbia 100 Parkway, Suite 215, Columbia, MD, 21045
  • APEX Mortgage LLC team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
  • 1 Percent Down Mortgages
  • 8850 Columbia 100 Pkwy, Columbia, MD, 21045
  • At 1 Percent Down Mortgages, our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you
  • Kane Mortgage, Inc
  • 4755 Linglestown Road, Suite 205, Harrisburg, PA, 17112
  • Kane Mortgage, Inc. was founded in 2002 by Kane Smeltz. From the humble beginnings where Kane handled all of the various aspects of loan origination to loan closing himself, KMI has grown to a staff of nine. The KMI staff includes the Owner, four Mortgage Originators, two Processors, a Human Resource Manager and a Client Relations Specialist.
  • First Capital Federal Credit Union
  • 1601 Kenneth Road, York, PA, 17408
  • This credit union was originally established as the S. Morgan Smith Credit Union and incorporated under the laws of the Commonwealth of Pennsylvania on December 23, 1954. It became known as the Allis Chalmers Credit Union upon that company's acquisition of the S. Morgan Smith Company on April 1, 1959.
  • Pinpoint Federal Credit Union
  • 37 Ferry Ln, Milton, PA, 17847
  • Pinpoint Federal Credit Union is a member-owned financial cooperative founded in Milton, PA. The Credit Union, originally named Northumberland County Schools Federal Credit Union was chartered in 1956 by a small group of teachers who wanted to offer low-cost financial services to other teachers and make a positive difference.
  • Blue Chip Federal Credit Union
  • 5050 Derry Street, Harrisburg, PA, 17111
  • Founded in 1948 as RDG Harrisburg Credit Union to serve the financial needs of railroad workers in central PA. In 1976, we changed our name to CenPennRail Credit Union when we amended our charter to include employees of AMTRAK & CONRAIL who worked in central PA. At this time, family relatives of members became an important part of the credit union.
  • Belco Community Credit Union
  • 449 Eisenhower Boulevard, Suite 200, Harrisburg, PA, 17111
  • Belco Community Credit Union was organized in 1939 as a federally chartered credit union, serving the employees of Bell Telephone Company of Harrisburg, Pennsylvania. Belco's conversion to a state chartered credit union in 1997 opened the doors to expanding services to other businesses in Central Pennsylvania.
  • First Eagle Federal Credit Union
  • 10451 Mill Run Circle, Suite 300, Owings Mills, MD, 21117
  • First Eagle is a federally-insured credit union serving all U.S. employees of AIG American General, Zurich North America, Medstar Union Memorial Hospital & Medstar National Rehabilitation Network (NRN), several Select Employee Groups, and their families. We have worked to make a better financial life for our members.
  • Novak Financial Inc
  • 20 New Plant Ct, Suite 102, Owings Mills, MD, 21117
  • Novak Financial, Inc. is a private money lender specializing in investor renovation and construction projects. We are currently financing projects in MD, NJ, D.C., VA, DE, PA, and FL.vak Financial, Inc. is a private money lender specializing in investor renovation and construction projects. We are currently financing projects
  • Access 1 Properties
  • 110 Painters Mill Rd, Suite 200, Owings Mills, MD, 21117
  • Access 1 Properties is a real estate solutions company located in Owings Mills, MD. We Specialize in buying, selling & financing homes. We also have a program to assist our clients with the rehab process. We consider ourselves as the go-to experts at finding solutions for people who are in the market to buy, sell or finance their investment propert