USDA and FHA Pro and Con in Eucalyptus-Hills, San Diego County, CA

Throughout 2025, in the city of Eucalyptus-Hills, located in San Diego county of CA, the USDA loan limit is recorded at $615,000. In contrast, for single-family residences, the FHA loan limit sits at $753,250.

To evaluate the current USDA versus FHA rates, use the Lendersa® USDA loan calculator. It assists you in calculating income, credit, required reserves, and documents to qualify. With our comprehensive mortgage calculator, you can analyze USDA, FHA, Conforming, and VA loans side by side, making it easier to determine the most suitable option for your unique financial circumstances in .

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Loan Limits and Down Payment Requirements for 2025 in Eucalyptus-Hills, San Diego, CA

Loan Type Loan Limit Down Payment
USDA $615,000 0%
FHA $753,250 3.5%
Conventional Conforming $753,250 3%

Exploring USDA and FHA Mortgage Choices in Eucalyptus-Hills, CA

The mission of Lendersa® is to swiftly and conveniently secure the most advantageous USDA or FHA loans for you. Start by selecting from three pathways leading to lender matches and USDA financing options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, also known as a USDA mortgage or rural development loan, is guaranteed by the U.S. Department of Agriculture. These loans are available exclusively in rural areas and do not require any down payment, unlike FHA loans which mandate a minimum of 3.5% down payment.

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



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