USDA and FHA Pro and Con in Carlsbad, San Diego County, CA

In 2025, USDA loan limit in Carlsbad, county of San Diego, CA is $703,800 while FHA limit is $977,500 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 Carlsbad, county of San Diego, CA

Loan Type Loan Limit Down payment
USDA $703,800 0%
FHA $977,500 3.5%
Conventional Conforming $977,500 3%

USDA and FHA loan options in Carlsbad, 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?



  • Mayville Savings Ban
  • 200 S. Main St., Mayville, WI, 53050
  • On February 1, 1922, the Mayville Savings and Loan Association first opened for business. Our local “Building & Loan” was created to serve two local needs — first, to promote housing by offering affordable home loans to all residents and second, to provide a means for people to safely save money by depositing small sums on an installment basis.
  • Team Get It Done
  • 105 South Main Street, Suite L, Mayville, WI, 53050
  • Team Get It Done is a Wisconsin based mortgage team. Specializing in Purchase and Refinance, First Time Home Buyer loans; FHA; USDA; VA; Conventional & Jumbo loans. With experience in all levels of the Mortgage Industry from $40, 000 FHA loans to $3MM Jumbo loans Team Get It Done has the knowledge & experience necessary to turn dreams to reality.
  • First Federal Bank TN
  • 611 East College St, Dickson, TN, 37055
  • First Federal has been providing exceptional banking services to Dickson County and surrounding counties. Built upon outstanding customer service, we are proud to be the largest community bank in the area and offer 12 convenient locations to serve all your banking needs in Dickson County, Montgomery County, Hickman County.
  • Maternity BVM CU
  • 299 East Marsile Street, Bourbonnais, IL, 60914
  • In March 1957, James M. Burns opened Maternity BVM Credit Union in the basement of the church rectory. The Credit Union was only open after the Masses on Sunday. In December 1973, the Credit Union moved to 299 E. Marsile Street, where it remains at this time. The Credit Union bought the original Senesac Home built in 1900
  • Elite Community Credit Union
  • 515 S Main Street, Bourbonnais, IL, 60914
  • Elite Community Credit Union, formerly Envision Credit Union, has been in business since 1957. Throughout the years, we have remained financially stable. We provide competitive share and loan rates, free online banking and mobile banking, along with a variety of other services such as, checking accounts
  • CommonWealth Credit Union
  • 563 William Latham Drive, Bourbonnais, IL, 60914
  • It grew to become CommonWealth Credit Union, a multi-site, full-service financial cooperative that is now community chartered to serve anyone who lives or works in Kankakee, Ford, Iroquois, Livingston, Kendall, Grundy, or Will Counties. CommonWealth Credit Union is the largest credit union in Kankakee County.
  • Municipal Bank
  • 720 Main St. NW, Bourbonnais, IL, 60914
  • Municipal Bank, we have three convenient locations in Bourbonnais, Momence and Manteno, IL, to serve you since 1971. We are a locally owned bank offering a full line of banking services. At Municipal Bank, we provide personal service to our residential and businesses. Municipal Bank is FDIC insured and an equal housing lender.
  • HLP Mortgage
  • 1235 South Highland Ave, Suite A, Lombard, IL, 60148
  • Founded in 2014, HLP Mortgage opened its doors to the Illinois community. We are a privately owned company and a full-service mortgage banker. Our focus is to better the community with the services we provide by offering low interest rates and an unequaled customer service experience.
  • Great Mortgage - Kris Krajecki
  • 1920 S Highland Ave, Suite 220, Lombard, IL, 60148
  • Great Mortgage has made the mortgage process easier is by integrating technology with our outstanding customer service.On our website you can submit a complete on-line, secure loan application or pre-qualify for an Arizona, Illinois, Indiana, Colorado, Florida, Missouri or Tennessee home loan. You may also evaluate your different financing options.