USDA and FHA Pro and Con in Harbison-Canyon, San Diego County, CA

As of 2025, the USDA loan limit in Harbison-Canyon, located in San Diego county, CA, is set at $615,000. Meanwhile, the FHA limit for a single-family home is $753,250.

To compare today's top USDA and FHA rates, use the Lendersa® USDA loan calculator. This tool helps you assess the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator offers side-by-side analyses of USDA, FHA, Conforming, and VA options, assisting you in choosing the best program for your specific financial needs in .

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Loan Limits and Down Payment Requirements for Harbison-Canyon in San Diego, CA for 2025

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

Exploring USDA and FHA Loan Opportunities in Harbison-Canyon, CA

The aim of Lendersa® is to streamline your search for the most advantageous USDA or FHA loans. Begin with one of these three approaches to find matching lenders and suitable USDA loan programs.

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Understanding USDA Loans in CA

The USDA home loan, guaranteed by the U.S. Department of Agriculture, is often referred to as the USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. In contrast to FHA loans, which mandate a minimum down payment of 3.5%, the USDA mortgage does not require any down payment at all.

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



  • Empyrean Mortgage
  • 4700 Northgate Boulevard, Suite 157, Sacramento, CA, 95834
  • Mitch Peters of Empyrean Real Estate can assist you with a variety of real estate services, such as assisting buyers to find their next Sacramento real estate property or Sacramento home, and assisting sellers in selling their Sacramento home or Sacramento real estate property and getting the most for their Sacramento real estate property.
  • Cap City Mortgage Inc
  • 4080 Truxel Road, Suite 100, Sacramento, CA, 95834
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Golden Bay Mortgage Group
  • 1143 N. Market Blvd Suite 1, Sacramento, CA, 95834
  • Our company was built from opportunity. Much of our time in the mortgage industry has been rough seas and waves of changes and regulations. Now times have changed and the importance of home ownership is again an opportunity for all. Our intention is to provide a place where our customers can feel secure
  • Business Loan Services
  • 5515 Pacific Street, Suite 3463, Rocklin, CA, 95677
  • We offer competitive residential rates for owner occupied & investment property loans. Your source for Commercial and SBA Funding with over 37 years of experience. We know where to find the money. We will evaluate the options, fill out tthe paperwork, and present your loan to multiple lenders.
  • Full Force Funding LLC
  • 4759 Sweeney Circle, Rocklin, CA, 95677
  • Full Force Funding is a direct lender for real estate investors renovating properties throughout American neighborhoods. With our strong Fix & Flip Financing program and established relationships with national investors and institutional partners, we aim to provide value to your business and grow your bottom line.
  • Revive Mortgage, Inc.
  • 4230 Rocklin Road, Suite 200, Rocklin, CA, 95677
  • Revive Mortgage and has extensive knowledge in the Mortgage and Financing business. With a Bachelors Degree in Finance and personal hands on experience in Real Estate, Real Estate Investing and Mortgages he is able to help his clients navigate through the entire process seamlessly and effortlessly.
  • TSG Lending Inc
  • 4465 Granite Drive, Suite 1019, Rocklin, CA, 95677
  • TSG Lending providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.
  • Continental Mortgage Operations
  • 5875 Pacific Street, Suite E5, Rocklin, CA, 95677
  • Our experienced professionals are driven to attain premier financing options to best suit your financing needs. Providing over 30 years of quality service to California Residents, you can feel confident in trusting your financing needs to us.Our Operatives have a wealth of knowledge & are focused on helping you achieve the dream of home ownership.
  • MAE Capital Real Estate and Loan
  • 4940 Pacific Street, Rocklin, CA, 95677
  • Mae Capital Real Estate and Loan is a mortgage broker with operations in one state. Mae Capital Real Estate and Loan offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA and reverse mortgages. Mae Capital Real Estate and Loan is a FREEandCLEAR Certified Bronze Low Rate Lender.