USDA Vs. FHA Pro and Con comparison in Gardena, Los Angeles County, CA
During 2025, for homes in Gardena, in the county of Los Angeles, CA, the USDA loan cap is $776,600, whereas for a single-family residence under the FHA program, it's $1,089,300.
Leverage the Lendersa® USDA loan calculator to assess and contrast the best available USDA versus FHA rates today. Determine the necessary income, credit, reserves, and documentation to qualify. With our detailed mortgage calculator, compare USDA, FHA, Conforming, and VA loans side by side to pinpoint the most suitable program for your financial needs in .
2025 Loan Limits and Down Payment Requirements in Gardena, County of Los Angeles, CA
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Solutions in Gardena, CA
At Lendersa®, we aim to swiftly deliver the best USDA or FHA loan, without complications. Begin with one of three tailored pathways that connect you with matching lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is exclusively for rural areas. A significant advantage over FHA loans, which demand a minimum 3.5% down payment, is the USDA loan's no down payment requirement, encouraging rural homeownership by reducing initial financial burdens.
First National Bank Albany/Breckenridge has a long, storied history stretching back over 135 years. The bank was first organized in 1883 as The First National Bank of Albany. It was a country bank founded because of the need to have access to local banking. The bank evolved as the local area gradually developed from frontier to settlement.
Menard Bank financial institution has been and continues to be a center point of the community. Located on the historic irrigation canal, Menard Bank provides financial support and guidance to many local businesses and agricultural endeavors. We are a rock of solid financial foundation in an ever-changing economy in rural Texas.
Independence Bank, formerly known as First Security Bank, was founded in 1972 by a group of Havre business owners who saw a need for a community bank. The headquarters opened at its present Fifth Avenue location in March 1973. Since that time we have acquired branches in Poplar, Scobey, Malta and Glasgow. Building on our success
Haviland State Bank opened in 1903 by George Lemon of Pratt. The First directors of the bank were founder George Lemon, President; Otto H. Bock, Secretary and Cashier; H.A. Barbee, a cattleman near Pratt; R.D. Woodward, and L.J. Woodward of Haviland.
When HSB first opened in 1903 the money was not kept in the bank.
In October 1936, Coleman County State Bank received approval from the Texas Banking Department to begin its operations. It had originally been named First State Bank of Valera and first opened its doors in July 1915. Now operating under its new charter, the Bank relocated from Valera to 108 West Live Oak in Coleman.
First Bank Texas was chartered on May 15th, 1880 as First National Bank, and has been serving Texas Families for over 142 years. First Bank Texas is a home-town bank with directors, officer, and employees who are committed to serving the community in which they work and live. Knowing customers by name
Fusion Bank, which has locations in Larned, Overland Park, and Pratt, attributes its longevity to dedicated people and a commitment to quality. The Bank is rated as a 5-Star Bank (the highest ranking) by BauerFinancial, and is listed among The Strongest Banks in the U.S. by Weiss Ratings.
Flatwater Bank has been pioneering banking since 1902. We are proud to be family-owned and work hard to offer our customers the very best in community banking. We want the communities we live and work in to be strong. We want a place where kids can return to work, where people can start and grow businesses, and neighbors reach out to lend a hand.
We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate.
The Farmers Credit Union was founded in 1953. The first location was an office located in the Farmers Co-op Building. The original capital was obtained by proceeds from a bake sale. Anyone who is a resident of Ellis County or adjoining counties is eligible to be a member of the Farmers Credit Union.
