In 2025, the USDA loan limit in El-Monte, found in Los Angeles County, CA, is $657,900. For a single-family home, the FHA limit is $822,375.
Use the Lendersa® USDA loan calculator to compare the best rates of USDA vs. FHA today and determine the necessary income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side to decide which program in suits your financial situation best.
Loan Limits and Down Payment Details for 2025 in El-Monte, Los Angeles County, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Options for USDA and FHA Loans in El-Monte, CA
Lendersa® aims to secure the best USDA or FHA loan for you swiftly and without stress. Choose one of three starting points for matching lenders and suitable USDA loan programs.
A USDA home loan, government-backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans that demand a minimum down payment of 3.5%, a USDA loan requires no down payment.
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