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

In 2025, USDA loan limit in Granite-Hills, county of San Diego, CA is $615,000 while FHA limit is $753,250 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Granite-Hills, county of San Diego, CA

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

USDA and FHA loan options in Granite-Hills, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • The Lending Alliance, Inc
  • 1124 W South Jordan Pkwy, Suite A, South Jordan, UT, 84095
  • The Lending Alliance is mortgage home loan provider founded in the belief that every customer deserves the best service and that every employee deserves the best work environment no matter what.As home is where the heart is, it is our mission to be honest, faithful, and unwavering in assisting all our customers in making sound financial decisions.
  • UNIFIED LENDING INC.
  • 10808 S River Front Pkwy, Suite 393, South Jordan, UT, 84095
  • Unified Lending is your premier mortgage lender located in the beautiful Wasatch front. If you are looking to purchase a new home or refinance the one that you have, we are here to help! We take great pride at Unified Lending in educating our customers and in keeping them informed during the loan process.
  • Aspen Hills Mortgage, LLC
  • 2651 W South Jordan Parkway, South Jordan, UT, 84095
  • Our mortgage team members will give you the personal service you deserve and treat you with the respect due an esteemed customer.We realize the big commitment you are making in purchasing a house, refinancing, or cashing out your equity. So we make a commitment to you: we will help you qualify, apply and be approved for the perfect mortgage loan.
  • Integrity First Lending
  • 1258 W South Jordan Parkway, Suite 102, South Jordan, UT, 84095
  • Our vision is simple, we are focused on helping loan officers grow their business. Most of the loan officers that join our company have experienced at least one of these common frustrations that have limited their growth. If any of the following frustrations resonate with you, let’s have a conversation soon.
  • Becky Watkins - Financial Mortgage Solutions
  • 9680-6 Eagle Ranch Road, Albuquerque, NM, 87114
  • With more than 30 years of experience working in every aspect of the mortgage and real estate professions, I am passionate about helping people achieve their financial goals through home ownership. I take the time to listen, understand, and share the vision of everyone I work with to assure that they are informed.
  • 1 Mortgage LLC
  • 9674-4 Eagle Ranch Rd, Albuquerque, NM, 87114
  • 1 Mortgage LLC is a wholesale brokerage versus a bank that closes and funds their own loans. We have many wholesale lender partners that we work with that offer an array of solutions for whatever your home loan needs may be serving both New Mexico and Colorado. We answer our phone 7 days a week and are available to help you.
  • Financial Mortgage Solutions LLC
  • 9680 Eagle Ranch Road Northwest, Unit 6, Albuquerque, NM, 87114
  • Financial Mortgage Solutions was started in the Fall of 2006, shortly before the struggles in the housing market began. We not only made it through those difficult times, we also helped hundreds of people lower their payments and buy their dream homes despite the challenging market.
  • First State Bank, New Mexico
  • 103 Manzanares Avenue, Socorro, NM, 87801
  • It is First State Bank’s mission to provide the highest level of customer satisfaction, and personalized financial solutions through knowledgeable team members, efficient teamwork, and technological advancements while striving for innovative and creative ways to improve procedures and implement products.