In 2025, the USDA loan limit in El-Rio, within Ventura county, CA, is $591,500. Comparatively, the FHA limit for a single-family home is $739,450.
Use the Lendersa® USDA loan calculator to compare the leading USDA and FHA rates today. It helps determine the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA programs to aid decision-making regarding the best option for your financial scenario in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $591,500 | 0% | |
| FHA | $739,450 | 3.5% | |
| Conventional Conforming | $739,450 | 3% |
The aim of Lendersa® is to promptly secure you the best USDA or FHA loan without unnecessary complications. Choose from three paths to connect with lenders and USDA programs.
The USDA home loan is endorsed by the Department of Agriculture, known as the USDA rural development loan or USDA mortgage, and is available in rural areas only. In contrast to FHA loans that demand a minimum 3.5% down payment, a USDA loan requires no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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