Explore the differences! FHA VS Conventional loan programs in Winter-Gardens, San Diego County, California

In 2025, the limit for conventional loans in Winter-Gardens, located within San Diego county, CA, stands at $879,750. Meanwhile, the FHA cap for a single-family home is $879,750.

Utilize the Lendersa® Conventional loan calculator to effectively compare today's leading rates for Conventional, FHA, and USDA loans. Discover the income, credit, reserves, and documentation required for eligibility through our advanced mortgage calculator, which allows side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans. This aids you in selecting the most appropriate program in CA for your financial requirements.

Review loan offers from 100 different lenders

2025 Loan Limits and Downpayment Requirements in Winter-Gardens, San Diego, CA

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

This comparison table applies to the following zip codes: 92021, 92040

Conventional and FHA Loan Options in Winter-Gardens, CA

Lendersa® aims to secure the best available Conventional, USDA, or FHA loan for you swiftly and without hassle. Choose one of the three starting points to connect with matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Serve Credit Union
  • 423 East Court Avenue, Des Moines, IA, 50309
  • Serve Credit Union began serving Des Moines Police Officers in 1931 as the premier leader in financial services for law enforcement. Since inception, the credit union has expanded its field of membership to include first responders, government employees, school employees and their families
  • Benchmark Mortgage
  • 2121 Watt St, Suite B, Little Rock, AR, 72227
  • Benchmark is a full-service mortgage banker and seller-servicer We are a community of mortgage professionals that are united by the Benchmark core values - success, relationship, dynamic, excellence, positive attitude. Everything we do comes back to these five defined beliefs. Adhering to these values dictates the way we think, manage our business.
  • Journey Credit Union
  • 2930 SE 14th Street, Des Moines, IA, 50320
  • "Journey Credit Union's friendly staff is here to serve all your financial needs. It shall be the mission of Journey Credit Union to benefit all members by: promoting thrift and encouraging regular savings; offering loans at reasonable rates of interest; providing personal, professional and confidential services to all members;"
  • Cooperative Extension Federal Credit Union
  • 2301 S. University Ave, Little Rock, AR, 72204
  • Cooperative Extension Service Federal Credit Union (CESFCU) started in 1946 as the Agricultural Extension Workers Credit Association, a state-chartered credit union. CESFCU was started by 11 UADA Cooperative Extension Service employees. CESFCU became a Federally Chartered Credit Union in 1992
  • Baptist Health Federal Credit Union
  • 9000 Kanis Rd, Little Rock, AR, 72205
  • Baptist Health Federal Credit Union is a not-for-profit financial institution with a people helping people mentality. We serve employees, friends, family, retirees, and volunteers of Baptist Health and other healthcare service industries. All deposits are federally insured by the NCUA up to $250,000. Visit the NCUA to learn more.
  • Western State Bank
  • 110 4th St SE, Devils Lake, ND, 58301
  • Western State Bank is an employee-owned community Bank, with assets totaling approximately $1 billion. The Bank offers superior full-Banking services, investments and mortgage financing to personal and business customers, as well as nationwide equipment financing services. Western State Bank’s locations are in the North Dakota communities.
  • Great Plains Capital Mortgage
  • 319 11th St N, Wahpeton, ND, 58075
  • Great Plains Capital are buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Iowa State Bank
  • 3818 Hubbell Ave, Des Moines, IA, 50317
  • Iowa State Bank is proud to have called Des Moines home for 80 years. Our mission is to serve customers, prosper, have fun and remain an independent bank. We are confident you will find that Iowa State Bank is able to provide the perfect mix of convenience banking and traditional services.
  • FixedLending
  • 600 E Capitol Ave. #3197, Little Rock, AR, 72203
  • We provide real estate investors with straightforward lending solutions and expert guidance, paving the way for profitable commercial and residential deals. FixedLending isn’t just a middleman looking to earn a quick commission by sending your loan needs to a large lender. Instead, we use our own funds and secure private money to make smart and fas
  • Dillard's Federal Credit Union
  • 1600 Cantrell Rd, Little Rock, AR, 72201
  • In early 1964, William Dillard moved the headquarters for Dillard’s Department Stores to Little Rock, Arkansas. The offices were located in the newly acquired Joseph Pfeifer Department Store and Gus Blass Company on Main Street. In 1966, the employees of Dillard’s Department Stores, Inc.
  • Bank of Little Rock
  • 200 North State Street, Little Rock, AR, 72201
  • Since Bank of Little Rock was founded in 1927, we have been committed to meeting the financial needs of families and businesses in and around our community. In 1989, we expanded our services to become a full-service bank and have continued to grow as our customer base has. We’re proud to be a local bank that supports the people in our community.