USDA and FHA Pro and Con in Fillmore, Ventura County, CA

In 2025, the USDA loan cap for Fillmore, located in Ventura, CA, is $680,800, while the FHA ceiling for a single-family home is $948,750.

Utilize the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates, determining the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side by side, guiding you to the best program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Fillmore, Ventura County, CA

Loan Type Loan Limit Down Payment
USDA $680,800 0%
FHA $948,750 3.5%
Conventional Conforming $948,750 3%

Exploring USDA and FHA Loan Options in Fillmore, CA

Lendersa® aims to secure the most advantageous USDA or FHA loan for you swiftly and without hassle. Start with one of three strategies that connect you to the right lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in CA?

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the government through the Department of Agriculture. These loans are available exclusively in rural areas and, unlike FHA loans that require at least a 3.5% down payment, USDA loans do not require any down payment.

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



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