USDA Vs. FHA your options comparison in Escondido, San Diego County, CA
In 2026, the limit for USDA loans in Escondido, located in San Diego county, CA, is $703,800, whereas the FHA limit for a single-family home sits at $977,500.
Utilize Lendersa® USDA loan calculator to compare today’s best USDA versus FHA rates and determine the necessary income, credit, reserves, and documents needed for qualification. By using our advanced mortgage calculator, you'll see USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing which program in fits your financial situation best.
2026 Loan Ceilings and Down Payment Requirements in Escondido, County of San Diego, CA
Loan Type
Loan Limit
Down Payment
USDA
$703,800
0%
FHA
$977,500
3.5%
Conventional Conforming
$977,500
3%
Exploring USDA and FHA Loan Alternatives in Escondido, CA
The ambition of Lendersa® is to quickly secure the ideal USDA or FHA loan for you, free of hassle. Choose from one of three beginning steps that connect you to matching lenders and USDA loan programs.
A USDA home loan is assured by the government’s Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, and is exclusively available in rural neighborhoods. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not require any down payment.
In 1957, a small group of people gathered in an office on Wurtsmith Air Force Base to discuss the possibility of starting a credit union. Northland Area FCU offers its members the ability to have up to 100 different accounts.The accounts can be used for a college fund, Christmas savings, checking, vacation, home purchases, retirement, etc.
Alpena Community Credit Union has been open since 1952. The credit union has assets totaling $24.51 Million and provides banking services to more than 3, 000 members. When you’re a member of Alpena Community Credit Union, you’re not just a customer but part-owner of your credit union.
Alpena Alcona Area Credit Union as a financial institution, as a leader in our community and as an employer. As an employer, AAACU values its staff and provides competitive wages and benefits to both full and part-time employees. As a leader in the community, we focus on reinvestment, charitable contributions and “people helping people.”
Horizon Credit Union is a member-owned financial institution in which its members can deposit and borrow money at better rates. They also have a voice in the operations via the election of a Board of Directors. The Board of Directors’ responsibility is to govern the direction of the credit union in regards to investments, loan and service products.
CES Credit Union is a not-for-profit, full-service financial cooperative owned by its members. Originally established in 1952 to serve the employees of Cooper Bessemer, CESCU is now open to everyone who lives, works, worships or attends school in Knox, Licking, Delaware, Richland and Ashland County.
Huntingtonized Federal Credit Union has been open since 1939. It's the 24th largest credit union in West Virginia with assets totaling $43.09 Million and providing banking services to more than 5, 000 members as of March 2022.
The credit union is a community-based financial institution.
Huntington C & O Railway Employees Federal Credit Union
901 Sixth Avenue, Huntington, WV, 25701
Huntington C&O Railway Employees Federal Credit Union has been open since 1986. It's the 25th largest credit union in West Virginia with assets totaling $38.66 Million and providing banking services to more than 5, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing financial banking services
Cabway Telco Federal Credit Union has been open since 1955. The credit union has assets totaling $5.33 Million and provides banking services to more than 400 members as of March 2022.
The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to communications
Appalachian Power Employees Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Appalachian Power EFCU will continue a sound yet progressive asset management strategy and provide new
MortgageMatchMakers.com, we understand that for most people, a home is the single biggest purchase you will ever make. Yet most people shop around more for a pair of shoes! As an independent mortgage banker, we do the shopping for you. Our goal is to match you with the perfect mortgage.
