In 2026, the USDA loan ceiling for Bostonia, located in San Diego county, CA, is $703,800, while the FHA cap for a single-family residence is $977,500.
Utilize the Lendersa® USDA loan calculator to compare today's highest USDA versus FHA rates and identify the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding you in determining the most suitable program for your specific financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $703,800 | 0% |
| FHA | $977,500 | 3.5% |
| Conventional Conforming | $977,500 | 3% |
The primary aim of Lendersa® is to get you the best possible USDA or FHA loan quickly and effortlessly. Choose from three starting points that lead to matching lenders and USDA loan offerings.
A USDA home loan is a government-backed loan provided by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans which require a minimum down payment of 3.5%, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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