In 2025, the USDA loan limit in Carlsbad, San Diego County, CA, is $703,800, while for single-family homes, the FHA limit is $977,500.
Utilize the Lendersa® USDA loan calculator to compare today’s USDA vs. FHA rates and see what income, credit, reserves, and documentation are needed to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best suits your financial situation.
Loan Limits and Down Payment Details for 2025 in Carlsbad, San Diego County, CA
Loan Type
Loan Limit
Down Payment
USDA
$703,800
0%
FHA
$977,500
3.5%
Conventional Conforming
$977,500
3%
Options for USDA and FHA Loans in Carlsbad, CA
Lendersa® is dedicated to helping you secure the best USDA or FHA loan quickly and stress-free. Begin with one of three starting options to find lenders and compatible USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, no down payment is necessary for a USDA loan.
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At Mountain Home Mortgage, we believe that we have a duty to educate and prepare borrowers for the commitment of a mortgage. We know that the home buying process can be stressful and we aim to make our clients feel like special friends as we help them achieve the dream of home ownership.
