FHA Vs. USDA loan program for Carson, Los Angeles County, California

For 2026, the USDA loan cap in Carson, within Los Angeles county, CA, is defined at $776,600. The FHA limit for a single-family home sits at $1,089,300.

Use Lendersa®'s USDA loan calculator to evaluate today's competitive USDA versus FHA rates, assessing necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options concurrently, assisting you in selecting the most suitable program in for your financial needs.

USDA and FHA Loan Choices in Carson, CA

The aim of Lendersa® is to effortlessly connect you with the best USDA or FHA loan options. Choose one of three starting strategies to find compatible lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, supported by the government Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is accessible exclusively in rural areas. Unlike FHA loans that demand a minimum down payment of 3.5%, USDA mortgages require no down payment.

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Carson Lenders
(310) 808-4000 Lender's profile and map Northrop Grumman Federal Credit Union 879 West 190th Street, Gardena, CA, 90248 Lends in California We deliver value to our members. Northrop Grumman Federal Credit Union(NGFCU), as a member-owned financial cooperative, exists to provide efficient, convenient, attractively priced financial products and services to satisfy the requirements of its membership. Set yourself up for success
(866) 464-5534 Lender's profile and map Nikkei Credit Union 18425 S. Western Avenue, 2nd Floor, Gardena, CA, 90248 Lends in California Nikkei Credit Union is a progressive, full-service financial institution serving the Japanese American Community in Southern California. We provide quality service as a not-for-profit financial cooperative, owned and democratically controlled by our membership. To provide quality financial products through personalized service and innovation.
(562) 857-2285 Lender's profile and map RTI Bridge Loans 19300 S. Hamilton Ave, Suite 210, Gardena, CA, 90248 Lends in California RTI Bridge Loans is primarily a Direct Portfolio Lender. Since 2004, RTI has focused on Short Term Bridge Loans secured By First and Second Trust Deeds on California Real Estate. Over the years we have processed hundreds of millions of dollars in loans for our clients. Many of our clients use us continually for their real estate financing needs.
(424) 233-3091 Lender's profile and map Pacific Transportation Federal Credit Union 101 West Walnut Street, Suite 101, Gardena, CA, 90248 Lends in California Pacific Transportation Federal Credit Union was founded in 1939 by employees of Southern Pacific Railroad as a way to provide affordable financial services to their co-workers and families. Pacific Transportation Federal Credit Union’s mission is to provide excellent financial products and services by highly motivated and knowledgeable staff.
(310) 523-1001 Lender's profile and map 1st California Security Investments, Inc 1225 W 190th, Suite 320, Gardena, CA, 90248 Lends in California 1st California Security Investments has been helping families find the best home loans for a new home purchase or refinance as well as helping clients buy income generating investment properties. Through a commitment to integrity and clarity we strive to help our clients achieve their financial goals and sustain financial wealth
(424) 999-8829 Lender's profile and map Gardena Financial Mortgage 1516 West Redondo Beach Boulevard, Gardena, CA, 90247 Lends in California Our founder dedicated almost 20 years of his life to building Gardena Financial. As a teenage immigrant from war-torn Cambodia, he became the first in his family to attend college with a full academic scholarship at Haverford College. He worked for AIG, JP Morgan Chase, CPA firms, and many others.
(310) 323-0035 Lender's profile and map Pacific West Mortgage Fund 1971 West 190th Street, Suite 200, Torrance, CA, 90504 Lends in California "We are a pooled mortgage fund of nearly 100 investors with total portfolio value that fluctuates between $27-32 million and growing. For brokers and potential borrowers: -Business purpose loans only on most property types. -Our primary area is Southern CA but will consider loans in any major market etc.."
(866) 459-2345 Lender's profile and map Schools Federal Credit Union 20101 Hamilton Ave, Suite 150, Torrance, CA, 90502 Lends in California Schools Federal Credit Union is a not-for-profit organization that has served the employees of the Los Angeles Unified School District and other education-related groups since 1939.Schools FCU is a different kind of financial institution. We provide our members with personalized service that banks can’t match.
(213) 266-9200 Lender's profile and map Archbell Capital, LLC 970 W. 190th Street, Suite 110, Los Angeles, CA, 90502 Lends in California Archbell Capital, LLC is a boutique commercial real estate bridge lender that originates mortgage loans for its middle market borrowers/partners seeking to acquire or refinance assets across property types. We focus on off-market transactions on a direct basis in partnership with our clients.
(310) 320-4588 Lender's profile and map Parishioners Federal Credit Union 2355 Crenshaw Blvd, Suite 100, Torrance, CA, 90501 Lends in California Since 1961, Parishioners Federal Credit Union has provided its members with greater financial value than they could receive anywhere else. We were founded and chartered thanks to the efforts of Monsignor J. Augustine O'Gorman of St. James Parish in Redondo Beach. He realized that a member-owned financial cooperative would understand.