USDA Vs. FHA Pro and Con comparison in Casa-de-Oro-Mount-Helix, San Diego County, CA
In the year 2026, the USDA loan limit for Casa-de-Oro-Mount-Helix in San Diego, CA is established at $615,000. Meanwhile, for a single-family home, the FHA loan limit is set at $753,250.
Utilize the Lendersa® USDA loan calculator to evaluate and compare the most current USDA against FHA rates. Determine the necessary income, credit score, reserves, and documents required for qualification. Through our comprehensive mortgage calculator, you can view USDA, FHA, Conforming, and VA plans side by side, which assists in deciding which option in best matches your financial needs.
2026 Loan Limits and Down Payment Requirements in Casa-de-Oro-Mount-Helix, San Diego, CA
Loan Type
Loan Limit
Down Payment
USDA
$615,000
0%
FHA
$753,250
3.5%
Conventional Conforming
$753,250
3%
Exploring USDA and FHA Loan Options in Casa-de-Oro-Mount-Helix, CA
The primary mission of Lendersa® is to quickly connect you with the most beneficial USDA or FHA loan, without any unnecessary hassle. You can select one of three starting paths to match with lenders and USDA loan programs.
The USDA home loan, also known as the USDA mortgage or USDA rural development loan, is a government-backed loan offered through the Department of Agriculture. It is especially available for rural areas and does not require a down payment, contrary to FHA loans, which need at least 3.5% down.
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