FHA Vs. USDA loan program for Carlsbad, San Diego County, California

In 2026, 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.

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.

Lendersa USDA Loan Request and Match Results

Understanding USDA Loans in CA

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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(916) 444-6070 Lender's profile and map Reviews Sacramento Credit Union PO Box 2351, Sacramento, CA, 95812 Sacramento Credit Union (SCU) is member-owned, meaning each member has a say in how we conduct business. As a not-for-profit institution, we prioritize members' goals and provide modern products and conveniences that help you manage and grow your money, all delivered with personalized, attentive service.
(916) 556-1900 Lender's profile and map Reviews Mayer & Clifton Partners 920 20th Street, Suite 125, Sacramento, CA, 95811 It has been the goal of our company from inception to be the borrower’s advocate and we pride ourselves on personally guiding each and every transaction through the debt or equity placement process from beginning to end. In doing so we provide our clients with outstanding service.
(916) 833-2920 Lender's profile and map Reviews Orbit Home Loans 1913 Capitol Avenue, Suite D, Sacramento, CA, 95811 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(916) 832-6355 Lender's profile and map Reviews Bay Equity LLC 1812 K St., Sacramento, CA, 95811 Bay Equity is a full-service retail mortgage lender. Founded in the heart of San Francisco’s financial district in 2007, the company recently moved to new corporate headquarters in Corte Madera, CA. Bay Equity Home Loans is currently licensed in 40 states and is expanding across the nation with retail branches in 27 states.
(916) 228-4930 Lender's profile and map Reviews Elevate Mortgage 717 K Street, Suite 510, Sacramento, CA, 95814 Elevate mortgage is a diverse, experienced team of mortgage professionals who are client focused and bring results. With access to over 100 different lenders, we can provide you the best financing available. Over 75% of our business comes from past clients and referral partners who are confident in our abilities.
(916) 761-4915 Lender's profile and map Reviews Eric Teply Mortgage Advisor 1231 I Street, Suite 203, Sacramento, CA, 95814 Purchasing a home can be one of the largest decisions one will ever make. Home purchasing is not only about a home loan, but also about how the loan integrates itself within your other financial responsibilities and goals. I have worked in the mortgage business for over a decade.
(530) 400-3501 Lender's profile and map Reviews PMI 520 Capitol Mall, Suite 780, Sacramento, CA, 95814 Professional Mortgage Associates (PMA) is a California Mortgage Corporation licensed by the California Department of Real Estate and endorsed by the NMLS as a Mortgage Loan Originator. PMA's corporate administrative staff have a combined history of over 60 years in the mortgage and real estate industry.
(916) 502-3463 Lender's profile and map Reviews Securus Group 1231 I Street, Suite 203, Sacramento, CA, 95814 Securus Home Loans, where we specialize in residential mortgages. At Securus Home Loans, we work to find loans that fit indiviudal borrower’s needs. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
(916) 999-5380 Lender's profile and map Reviews 101 Mortgage & Realty 1231 I Street, Suite 203, Sacramento, CA, 95814 At Professional Mortgage Associates, we work with many home buyers who are looking to purchase in the Sacramento, CA area. When working together, we can help you find the right home loan to finance your dream. We care about our customers, which is why our phones are always on. Contact us any time, day, or night.