USDA Vs. FHA Pro and Con comparison in Chula-Vista, San Diego County, CA
In the year 2026, the USDA loan limit in Chula-Vista, located in the county of San Diego, in the state of CA, is set at $615,000. Comparatively, the limit for an FHA loan for a single-family residence in this area is $753,250.
To effectively compare today's best rates for USDA versus FHA loans, make use of the Lendersa® USDA loan calculator. This tool assists in accurately determining the income, credit, reserves, and documents needed to qualify. By utilizing our advanced mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side by side. This comprehensive view aids you in deciding which financial program in serves your personal financial scenario optimally.
Understanding Loan Limits and Downpayment Requirements for 2026 in Chula-Vista, County of San Diego, CA
Loan Type
Loan Limit
Down payment
USDA
$615,000
0%
FHA
$753,250
3.5%
Conventional Conforming
$753,250
3%
Exploration of USDA and FHA Loan Options in Chula-Vista, CA
At Lendersa®, our mission is to promptly secure for you the most advantageous USDA or FHA loan with minimal hassle. You are presented with three initial pathways, each designed to connect you with matching lenders and appropriate USDA loan programs that cater to your needs.
A USDA home loan is a mortgage guaranteed by the government's Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. These loans are accessible exclusively in rural neighborhoods. Unlike FHA loans demanding a minimum 3.5% down payment, USDA loans offer the advantage of requiring no down payment, presenting an appealing option for eligible borrowers in applicable rural areas looking for a manageable financial path to homeownership.
Holland Mortgage Advisors is a professional mortgage lending company, with over 150 years combined experience in the mortgage lending industry. We focus on conventional, government, new construction, investment/commercial, and portfolio lending, and partner with reputable local and national lending institutions to be able to offer our clients
Equity Lending Group, Inc, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service – putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you
Northern States Mortgage, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism, and consideration
Highlands Community Bank (HCB) was established in 2002 by a group of local investors who determined there was a need for a community bank in the Alleghany Highlands. The belief was that a community bank could better serve the local residents and businesses and better contribute the local economy.
Jackson River Community Credit Union is a not-for-profit financial institution that is owned and operated by its members and promotes the credit union philosophy. We provide a full range of financial services at very competitive rates and useful information to help our members in all of their financial endeavors.
"AEM was disrupting old school lending with technology years before “fintech” was a term. We’re known by the world’s largest investors for our credit discipline. And as a customer, we’re at your service 24/7.
All In like family. Driven like Wall Street. Approachable like Main Street. These are the core values AEM lives by."
American Financial Mortgage Corporation is one of the oldest Mortgage Bankers in the state. Founded on the principle that everyone deserves to own their own home with financing they can afford, American Financial has done more to help individuals and families turn their dream into reality.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Mortgage Financial Group, Inc. operated in Mount Dora, FL out of a rented space for approximately 5 years before purchasing what is now its main headquarters in Tavares located in the center of FL respectively. Though a local lender, the company is currently licensed in four states
Commercial Mortgage Advisors originates loans with Life Insurance Companies, CMBS Lenders, Multi-Family DUS Lenders, Commercial Banks, Structured Finance Lenders, SBA lenders, and Industrial Development Bond lenders. The company primarily places long-term, fixed-rate financing on income producing.
Englewood Bank & Trust has been based in Lemon Bay in Southwest Florida since 1988, as a locally managed, community bank. Our goal is to provide our customers with highly personalized banking products and services while maintaining a hometown image. You’ll appreciate the convenience of Englewood Bank & Trust’s network
