USDA Vs. FHA your options comparison in Garnet, Riverside County, CA

In 2025, the USDA loan limit in Garnet, Riverside county, CA is $460,000, whereas the FHA limit for a single-family home is $644,000.

Leverage the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates. Find out what income, credit, reserves, and documents are necessary to qualify. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loan options side by side, assisting you in deciding which program in Alabama is best suited to your financial situation.

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2025 Loan Limits and Down Payment Requirements in Garnet, Riverside, CA

Loan Type Loan Limit Down Payment
USDA $460,000 0%
FHA $644,000 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Garnet, CA

The aim of Lendersa® is to quickly secure you the best USDA or FHA loan available, without hassle. Select one of three starting points to connect with matching lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Defining USDA Loans in CA

USDA home loans, or commonly called rural development loans or USDA mortgages, are guaranteed by the Department of Agriculture and solely available in rural areas. Contrary to FHA loans requiring a minimum of 3.5% down payment, USDA loans do not necessitate any down payment.

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



  • Commercial Mortgage Corporation
  • 1670 South Amphlett Blvd, Suite 214, San Mateo, CA, 94402
  • Commercial Mortgage Corporation offers the best personalized mortgage services available on the Internet - easy, convenient shopping for the best loan programs and most current rates available, together with the assistance of an experienced. For old fashion service, you will always work with a "live" loan officer to guide you through.
  • Simons & Company
  • 177 Bovet Road, Suite 600, San Mateo, CA, 94402
  • SIMONS & COMPANY is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial.
  • Mortgage Services
  • 177 Bovet Road Suite 130, San Mateo, CA, 94402
  • Mortgage Services offers automated underwriting; a knowledgeable and experienced staff; and extremely competitive pricing on everything from conventional/conforming fixed and adjustable rate products, through jumbo intermediate ARM's and home equity loans.Mortgage Services is dedicated to delivering its products and services on time.
  • Allwin Capital
  • 1010 S. El Camino Real, Suite A, San Mateo, CA, 94402
  • Allwin Capital has been providing service to clients from our San Francisco Bay Area base since 2010. Collectively, our consultants have over 100 years of experience in the mortgage industry. We are an independently owned and operated business, and welcome clients from the entire state of California
  • JB Private Investments
  • 651 Fordham Road, San Mateo, CA, 94402
  • JB Private Investments mission is to provide alternative financing for real estate investors as well as a secure investment for our investors in and around the San Francisco Bay Area. The company services are Commercial Multi Family, Construction, SFR Residential Investment, Bare Land
  • JB Private Investments
  • 651 Fordham Road, San Mateo, CA, 94402
  • JB Private Investments is a mortgage company located at 651 Fordham Road, San Mateo, CA 94402. JB Private Investments mission, is to provide alternate financing for real estate investors as well as a secure investment for our investors in and around the San Francisco Bay Area.​
  • Redwood Mortgage Corp.
  • 155 Bovet Road, Suite 302, San Mateo, CA, 94402
  • Redwood Mortgage is an established direct lender with over 40 years of experience in arranging and funding mortgage loans in California. Redwood Mortgage has funded $2 billion in loans and currently manages a loan portfolio of over $275,000,000. We review the borrower’s financial situation, as well at the property’s quality and equity.
  • Kaiperm Credit Union
  • 325 N. Wiget Lane, Suite 130, Walnut Creek, CA, 94598
  • Kaiperm Credit Union exists to provide financial services to the employees and families of Kaiser Permanente in Northern California.in 1957, this Credit Union was charted by seven Kaiser/PMG employees in Walnut Creek, California. Now, with nearly 5,000 members and a team of passionate and dedicated employees.
  • Educate Mortgage
  • 2700 Ygnacio Valley Rd, Suite 255, Walnut Creek, CA, 94598
  • Educate Mortgage, offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way. Start with a fast, personalized rate quote.