In 2025, the USDA loan ceiling for Desert-Hot-Springs in Riverside County, CA is set at $381,800, while the FHA limit for a single-family house is $477,250.
Use the Lendersa® USDA loan calculator to evaluate current USDA versus FHA top rates and ascertain the necessary income, credit score, reserves, and documents for qualification. Through our sophisticated mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side-by-side to determine which program is most advantageous for your specific financial situation in
Examine loan proposals from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $381,800 | 0% |
| FHA | $477,250 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® strives to offer you the optimal USDA or FHA loan expeditiously and with ease. Choose from three starting methods to connect with matching lenders and USDA loan options.
A USDA home loan, backed by the government's Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available strictly in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, no down payment is needed for a USDA mortgage.
Enter your location to find out if it qualifies for USDA rural housing loan?
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