USDA and FHA Pro and Con in Avocado-Heights, Los Angeles County, CA

In 2025, USDA loan limit in Avocado-Heights, county of Los Angeles, CA is $657,900 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Avocado-Heights, county of Los Angeles, CA

Loan Type Loan Limit Down payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA loan options in Avocado-Heights, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Home Again
  • 2306 Willow Road, Arroyo Grande, CA, 93420
  • Home Again is a highly respected, and proudly recommended brokerage that retains a high level of personal attention towards each of the clients it chooses to work with. I did not become a broker to focus on creating a firm WIDE with Sales Agents in the field. No, I became a broker to focus my energy, knowledge and experience on just my own clients.
  • Pacific Coast Mortgage Group Inc.
  • 136 Bridge Street, Suite B, Arroyo Grande, CA, 93420
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.Today's technology is providing a more productive environment to work in. You may also evaluate your different financing options
  • Mariner Mortgage Inc.
  • 701 East Grand Ave., Arroyo Grande, CA, 93420
  • At Mariner Mortgage Inc., We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch. We are a full-service mortgage company based in Arroyo Grande, California. We specialize in FHA Loans, VA Loans, Reverse Home Loans, and conventional home Loans in Arroyo Grande.
  • Nava Commercial Capital & Real Estate Inc.
  • 578 G Street, Brawley, CA, 92227
  • At Nava Commercial Capital & Real Estate Inc. We are a full-service mortgage company based in Brawley, California. We specialize in Residential Loans, Hard Money, Commercial Loans, and Business Loans. Whether you are buying a home or refinancing, we can help you realize your dream of home ownership or save you money
  • Sun Community Federal Credit Union
  • 1068 Broadway, El Centro, CA, 92243
  • Sun Community Federal Credit Union was organized on March 9, 1954, as the Imperial Valley U.S. Employees Federal Credit Union, with ten charter members. Over the years, the field of membership was enlarged. In January 1968, the name was changed to Government Agencies Federal Credit Union.
  • First Imperial Credit Union.
  • 1602 W Main St, El Centro, CA, 92243
  • First Imperial Credit Union is a credit union located in Imperial County, California who has a mission to deliver quality, affordable financial services with an exceptional member-focused experience. As a not-for-profit financial instituion, FICU gives back to its membership in the way of lower loan rates
  • IV Alliance Mortgage & Real Estate
  • 395 Broadway Avenue, Suite 5, El Centro, CA, 92243
  • IV Alliance Mortgage and real Estate our team of professionals will make it easy for you to apply for a loan. Give us a call and speak with one of our representatives. Within a day or two, we’ll be able to give you personalized rate information and a solution tailored to your specific needs.
  • Mr. Mortgage INC
  • 1596 S Imperial Ave, El Centro, CA, 92243
  • Mr. Mortgage INC is guided by our adherence to the important values and unique features we offer clients. They are essential, considered to be the DNA of our company. We are trained professionals who take responsibility for delivering excellence as individuals and as team. We focus solely on client’s satisfaction and first impression.
  • Community Valley Bank
  • 1443 Main Street, El Centro, CA, 92244
  • The team here at Community Valley Bank strives to provide the best service possible to our customers. Come visit with one of our team members to see if we can provide your needs for you! At Community Valley Bank, we understand the personal nature of your financial decisions. We offer a complete menu of deposit, lending, and investment products.