USDA Loan Vs. FHA loan for Encinitas, CA [San Diego County Rates 2023]

In 2025, USDA loan limit in Encinitas, county of San Diego, CA is $703,800 while FHA limit is $977,500 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.

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USDA and FHA loan options in Encinitas, 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.

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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.

(407) 588-6462 2143 miles Lender's profile and map Reviews Processing Express, Inc. 915 Doyle Road, Suite 303-304, Deltona, FL, 32725 Our processors take care of your loans, so that you can focus on getting more business. You can trust in us that we’ll make each of your borrowers feel comfortable throughout the whole loan process. Our pristine communication starts with the Initial Disclosures and goes through the closing process.
(407) 855-5452 2143 miles Lender's profile and map Reviews McCoy Federal Credit Union 1900 McCoy Rd, Orlando, FL, 32809 McCoy Federal Credit Union is a full-service financial cooperative, assisting consumers and small business owners with achieving their financial goals since 1954. Unlike banks whose purpose is to create profit for stockholders, our focus is to serve our Members with all of their financial needs.
(407) 401-8790 2143 miles Lender's profile and map Reviews Countrywide Mortgage Lenders LLC 6925 Lake Ellenor Drive, Suite 109, Orlando, FL, 32809 At Countrywide Mortgage Lenders, LLC, where we specialize in residential mortgages. At Countrywide Mortgage Lenders, LLC, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
(814) 354-7311 2144 miles Lender's profile and map Reviews First United National Bank 19535 Route 208, Fryburg, PA, 16326 First United National Bank was founded in August 1909 and is based in Fryburg, Pennsylvania. The bank operates as a subsidiary of Fryburg Banking Company, Inc.. According to the Federal Deposit Insurance Corporation records and based on the institution's charter type, First United National Bank is classified as a commercial bank, national charter
(434) 792-0198 2144 miles Lender's profile and map Reviews Movement Bank 201 N. Union Street, Danville, VA, 24541 At Movement Bank, we’re leading a Movement of Change to make banking enjoyable and empowering by introducing healthy, faithful, and innovative tools to help you maintain financial health. Our bank was founded by African-Americans in 1919 to serve people who had been turned away by other institutions.
(434) 792-5111 2144 miles Lender's profile and map Reviews American National Bank & Trust Company 628 Main St, Danville, VA, 24541 American National Bank & Trust Company, we believe being local is more than just having an office in the community. It's about looking out for our customers with better banking options and quick, local decisions. It's about supporting local community organizations and working with local businesses that are so vital to our communities.
(407) 618-1176 2144 miles Lender's profile and map Reviews Kelley Financial Solutions 1015 State Road 436, Suite 24, Casselberry, FL, 32707 The experience learned closing over 1000 mortgage loans we represent your best interests and will custom tailor your loan to meet all your financial goals. We work on the wholesale side with access to all the rates and programs. We use a simple online paperless process and close quickly.
(407) 896-4733 2144 miles Lender's profile and map Reviews Local 606 Electrical Workers Federal Credit Union 820 Virginia Dr, Orlando, FL, 32803 Local 606 Electrical Workers Federal Credit Union is a not-for-profit cooperative financial institution, owned by our members. Each member has one vote in elections, which are held annually in order to select members to serve on the Board of Directors. These volunteers represent various member companies, which in turn offer credit union benefits.
(561) 275-9293 2144 miles Lender's profile and map Reviews Florida Home Loans 937 N Magnolia Avenue, Orlando, FL, 32803 We essentially perform the same duties but offer different services. Those services occur before and after the transaction is completed. All Loan Officers can offer a client a 10, 15, 20, or 30 year mortgage at a competitive interest rate. They can make you promises about their advanced technology and services.
(407) 246-0846 2144 miles Lender's profile and map Reviews Florida Community Loan Fund 800 N Magnolia Ave, Suite 106, Orlando, FL, 32803 Florida Community Loan Fund serves the 3rd most populated state in the U.S. by providing flexible financing and staff expertise to help projects succeed and help organizations improve lives and low-income communities. Our Impact has provided $470 million in lending statewide, into projects totaling $1.2 billion in total construction project
(407) 223-1772 2144 miles Lender's profile and map Reviews Nationwide Mortgage Advisors LLC 230 East Marks Street, Orlando, FL, 32803 Our 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.