USDA Vs. FHA your options comparison in Commerce, Los Angeles County, CA
In 2026, the USDA loan threshold in Commerce, within Los Angeles county, CA is set at $776,600, while the FHA threshold for a single-family property is $1,089,300.
With the Lendersa® USDA loan calculator, you can evaluate today's top USDA and FHA interest rates, identifying the income, credit, reserves, and documentation necessary for eligibility. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options alongside one another, helping you decide the best program in according to your financial needs.
Loan Limits and Down Payment Requirements for 2026 in Commerce, Los Angeles, CA
Type of Loan
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Available USDA and FHA Loan Options in Commerce, CA
The primary aim of Lendersa® is to facilitate quick and hassle-free access to the most favorable USDA or FHA loan. You can initiate the process by selecting one of three available paths, which connect you with compatible lenders and USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture and known as a USDA Rural Development Loan or Mortgage, is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require a down payment, making them a favorable option for qualified rural borrowers.
Altius Mortgage is dedicated to making your home loan process quick and easy. We help our clients apply and be approved for Utah mortgages, no matter what their credit or financial history looks like. Outside of exceptional rates and service, we also have the ability for you to track the progress of your home mortgage loan, all online.
Compass Lending Solutions. I have learned from the cycles and trends in the mortgage industry that you cannot trust much of what you hear. You have to find a trusted advisor, who will spend the time to determine your long term needs and provide safe and effective solutions that will be the most beneficial to you and your family.
Affinity Alliance Mortgage & Real Estate We are a local mortgage and real estate company based out of Draper, UT. Established in 2001, we have had years of experience in the market working with clients of all backgrounds. We have developed a business purely centered around our clients needs and visions and are passionate about helping others.
11639 South 700 East, Suite 200, Draper, UT, 84020
Diversified Financial Services, Inc. Specializes in Mortgage Loans, Home Improvement Financing and Consulting owned Mortgage Company serving the western United States. We hire mortgage professionals that understand the unique challenges of the mortgage market, especially during these unprecedented times.
Olympus Funding is an aggressive advocate of consumer rights recognizing that honesty and integrity formulates the basis of great customer service.We sincerely believe we are "Your Mortgage Solution". We value our customer's privacy & strive to understand their needs so that we may fully assist them in achieving their mortgage financial objectives.
11576 S. State Street, Suite 102-B, Draper, UT, 84020
Simple Mortgage, 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.
11910 South State St, Suite 100, Draper, UT, 84020
The words ‘Trusted, Respected and Loved’ are more than just a tagline. Like a feeling that runs deep within your soul that cannot be verbalized, these words are tattooed on the heart of this company. They are words that can only be felt through the limbic part of your brain, which means they are unexplainable.
2100 Pleasant Grove Blvd. #285, Pleasant Grove, UT, 84062
At Silverview Capital we pride ourselves on being fast and nimble so we can get to the essence of lending: the collateral and exit strategy. We don't bother ourselves with unnecessary due diligence because we understand speed can be the difference between closing a deal and opportunity slipping away.
Our company focuses on educating first time home buyers, saving people money through refinances, giving people the opportunity for a better life through reverse mortgages, and above all education and transparency. We are a Utah Mortgage company. As a Mortgage Broker we are able to provide our clients with money at highly competitive rates.
1982 West Pleasant Grove Blvd, Suite K, Pleasant Grove, UT, 84062
Creekside Mortgage 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.
Ridge home loan is clients will have a great experience, refer their friends and come back. Lending can be tricky these days and I bring experience and resourcefulness to the equation. If your loan can be done, I'll find a way. If it can't, I'll help you position yourself for a future loan. Expect to have a great experience!
