USDA Loan Vs. FHA loan for Cerritos, CA 2026

In 2026, the USDA loan limit for Cerritos in Los Angeles county, CA is $776,600, while the FHA limit for single-family homes is $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today, and determine the income, credit, reserves, and documentation needed to qualify. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the best suitable program in for your financial situation.

Options for USDA and FHA Loans in Cerritos, CA

The main aim of Lendersa® is to promptly secure the best USDA or FHA loan for you with minimal hassle. Begin your application by selecting one of three pathways to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in CA?

A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the Department of Agriculture. It is exclusively available in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, the USDA option requires none, making it unique.

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(707) 763-6290 Lender's profile and map Reviews emortgages.com 1425 N McDowell Blvd, Suite 209, Petaluma, CA, 94954 Emortgages.com is a California based mortgage broker company providing high quality loan services with web-based technology solutions at rates and costs that are consistently below the industry average. Our vision is to be the definitive mortgage broker that provides our customers with the highest level of service.
(707) 763-7944 Lender's profile and map Reviews Redwood Empire Home Loans, Inc. 1930 Primrose Drive, Petaluma, CA, 94954 At Redwood Empire Home Loans, Inc, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(415) 660-9707 Lender's profile and map Reviews FJM Private Mortgage Fund 1372 N McDowell Blvd., Suite D, Petaluma, CA, 94954 First Bridge Lending specializes in providing fast and creative debt solutions for both commercial and residential property types. With over 100 combined years of lending and investing experience, the principals at First Bridge Lending understand our borrower’s needs and know how to deliver optimal financing solutions
415-248-1167 Lender's profile and map Reviews FJM Private Mortgage Fund 1372 N McDowell Blvd. Suite D, Petaluma, CA, 94954 Founded in 2012, First Bridge Lending specializes in providing fast and creative debt solutions for both commercial and residential property types. With over 100 combined years of lending and investing experience, the principals at First Bridge Lending understand our borrower’s needs and know how to deliver optimal financing solutions.
17755601151 Lender's profile and map Reviews Integrity Business Solutions 10110 Canyon Country Rd, Reno, NV, 89521 To help individuals and companies reach their goals by providing services that meet their needs. This will be done by creating win - win situations that promote integrity. We value character and experience and believe that everyone is capable of contributing to the value proposition.
(530) 537-7909 Lender's profile and map Reviews RB Lending 24126 Green Valley Road, Auburn, CA, 95602 RB Lending you're buying your first house or refinancing your jumbo mortgage, you'll save thousands of dollars. I sleep well at night knowing I'm giving people the best service and lowest costs possible. I get a daily report of the lenders with the lowest rates in the country and pass those rates on to you
(530) 885-4444 Lender's profile and map Reviews Imperial Mortgage & Real Estate Services 4455 Gambah Drive, Auburn, CA, 95602 Imperial Mortgage & Real Estate Services has been serving clients in the Sierra Foothills for over 30 years. As both a Licensed Mortgage Broker and Realtor, Keith brings a unique set of skills to his clients. Keith has also been certified by the National Association of Realtors as a Seniors Real Estate Specialist.
(530) 268-1868 Lender's profile and map Reviews Affordable Real Estate Loans 10592 Combie Road, Auburn, CA, 95602 Affordable Real Estate Loans has over 30 years mortgage loan experience serving all of California. Our team is committed to our clients and our financial partners. We believe that building a solid foundation and relationship with our lenders and bankers throughout California gives us the advantage.