USDA Vs. FHA Pro and Con comparison in Gardena, Los Angeles County, CA
During 2026, 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 .
2026 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.
At Horizon of NC, we make acquiring a mortgage loan or home equity loan quick and easy, having you pre-qualified within 24-hours or less! We offer mortgage loans throughout the entire state of North Carolina. Our mission is to find the lowest interest rates and best loans possible.
The Derry Area Federal Credit Union was originally founded in 1949 to provide members with a systematic way to save and offer credit to members at reasonable rates. At that time our membership consisted of the employees of Derry Westinghouse and members of their immediate family.
SUNY Fredonia Federal Credit Union has been open since 1974. The credit union has assets totaling $45.16 Million and provides banking services to more than 3, 000 members.
The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups
Lake Shore Savings is a community oriented financial institution originally chartered as a savings and loan association in New York in 1891. We are dedicated to serving the financial needs of consumers and businesses within its market area. We are primarily engaged in the business of attracting deposits from the general public
Westmoreland Financial Services of Pennsylvania Inc. is a mortgage broker committed to providing businesses and consumers with individual attention and professional financial solutions. We deliver superior personal service in a consolidation financial services environment which increasingly deemphasized service.
MIDFLORIDA Credit Union was founded in 1954 as the Polk County Teachers Credit Union. We ended our first year with just 273 members and $7,000 on deposit. Today, we have almost 400,000 members and more than $5 billion in assets. We take our tagline—Your Community Credit Union—to heart.
To provide a wide variety of financial services at the lowest possible cost to our members and to support the community and the Credit Unions in our area with the philosophy of:
""It's my credit union; it belongs to me.""
When you walk into the credit union lobby, or call a loan officer
Affinity One Federal Credit Union has been open since 1948. The credit union has assets totaling $45.55 Million and provides banking services to more than 4, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
The Better Lending Team team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Island Home Mortgage is a family owned and operated business led by Michael Eric Kuc. Originally from New York, Michael’s family relocated to Florida in the Orlando area as a child where later, as an adult, he would find his love for St. Augustine, Fl. After several family trips to the area with his wife, Tonya and daughter Berkley,
