USDA Vs. FHA your options comparison in Desert-Hot-Springs, Riverside County, CA

In 2025, USDA loan limit in Desert-Hot-Springs, county of Riverside, CA is $381,800 while FHA limit is $477,250 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Desert-Hot-Springs, county of Riverside, CA

Loan Type Loan Limit Down payment
USDA $381,800 0%
FHA $477,250 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Desert-Hot-Springs, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • The Borrowing Club
  • 420 W. Boynton Beach Blvd, Boynton Beach, FL, 33435
  • We offer a consulting, advisory and assistance program for a select group of people meeting certain minimum credit/financial criteria in which we provide consulting, advice and assistance in the areas of unsecured no collateral personal and business loans. There are no up-front fees. We have a very detailed Consultant Service Agreement between us
  • Streamline Financial Group, Inc.
  • 1240 South Federal Highway, Boynton Beach, FL, 33435
  • Streamline Financial Group, Inc. is a premier provider of creative financial solutions for various lending needs. Drawing upon a background of over 17 years in the industry, we have the ability, expertiese and experience to fund every type of financing request, from the mundane, to the exotic. Products range.
  • Trius Lending Partners
  • 1104 Kenilworth Ave Ste 501, Towson, MD, 21204
  • We are the Mid Atlantic’s top rated private lender, expanding from NY to FL. We offer fast flexible reliable loans with common sense underwriting and no appraisal needed. Fix and flip or fix to rent with 100 percent rehab, all property types, 150K to 5MM, closings in 48 hours. New investors welcome. Referral fees paid!
  • Baltimore County Employees Federal Credit Union
  • 23 W Susquehanna Avenue, Towson, MD, 21204
  • Baltimore County Employees Federal Credit Union is a full-service financial institution offering a range of outstanding lending, savings, and online financial services to its members throughout the Baltimore metro area. As a non-profit cooperative, we value our members and work diligently to help them achieve their financial goals.
  • St. Joseph Medical Center Federal Credit Union
  • 7601 Osler Drive, Towson, MD, 21204
  • St. Joseph Medical Center MD FCU is a member owned credit union whose purpose is to provide quality service through our “People Helping People” philosophy. We continuously strive to offer personalized services while maintaining financial strength and stability. credit union is managed by a volunteer board of directors and various committee members.
  • Destiny Mortgage Group Inc
  • 606 Bosley Avenue, 1st Floor, Towson, MD, 21204
  • Our clients’ satisfaction is paramount, which is why we’ll do everything we can to ensure that our clients walk away from the transaction happy. This includes: our 1-hour pre-approval process, our commitment to full and complete transparency to all interested parties, and our focus on constant communication, all while offering the lowest rates.
  • Arrive Mortgage LLC
  • 100 West Road, Suite 300, Towson, MD, 21204
  • "At Arrive we are guided by technology in our efforts to improve the mortgage experience. We believe that the journey to home ownership should be simple and enjoyable. Our Mission is to provide a superior mortgage experience so that our customers recommend us, partners enjoy working with us, employees are proud to be a part of the family"
  • Gross Mortgage Finance Inc
  • 3325 South University Drive, Suite 200, Davie, FL, 33328
  • Gross Mortgage Finance, Inc. (GMF) is a real estate investment banking firm incorporated in 1992 that specializes in commercial mortgage banking and investment sales. GMF is an experienced energetic company that is consistently ranked in the top 20 Largest Commercial Real Estate Lenders in South Florida by the South Florida Business Journal.
  • 4Sure Mortgage Solutions LLC
  • 7215 West Oakland Park Blvd, Fort Lauderdale, FL, 33313
  • 4SURE MORTGAGE SOLUTIONS LLC is in the Mortgage Bankers and Loan Correspondents industry in Sunrise, FL. This company currently has approximately 1 to 5 employees and annual sales of $500, 000 to $999, 999. 4sure Mortgage Solutions L.L.C is a Florida limited liability company based in Lauderhill.
  • The Bank of Glen Burnie
  • 106 Padfield Blvd, Glen Burnie, MD, 21061
  • Since opening our doors in 1949, The Bank of Glen Burnie® has been committed to meeting customers’ needs. In fact, it’s at the heart of everything we do! Although the banking industry continues to undergo rapid changes, we believe the best way to meet our commitment is by remaining an independent, community bank.
  • Bay Country Financial Services
  • 6619 Ritchie Hwy, Suite 13, Glen Burnie, MD, 21061
  • Bay Country Financial Services is the company to trust for fast, flexible, confidential financial services. We offer personal, consolidation, automobile, boat, trailer, RV, motor-home, and motorcycle loans. We have more than 100 years of combined experience helping people just like you navigate the loan process expertly.
  • Arundel Federal Savings Bank
  • 655 Crain Highway S, Glen Burnie, MD, 21061
  • Our mission is to be the community Bank of choice providing homeownership and Banking services with extra-ordinary service, delivery, convenience and ease. We help our customers achieve their financial goals of saving for a future event, whether it be their education, wedding, buying a home or retirement.