USDA Vs. FHA your options comparison in Hermosa-Beach, Los Angeles County, CA

In 2025, USDA loan limit in Hermosa-Beach, county of Los Angeles, CA is $657,900 while FHA limit is $822,375 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.

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2025 loan limits and downpayment requirments in Hermosa-Beach, county of Los Angeles, CA

Loan Type Loan Limit Down payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA loan options in Hermosa-Beach, 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?



  • Alan Christian Mortgage Team
  • 4005 Nine McFarland Dr, Suite 200, Alpharetta, GA, 30004
  • Buying a home is a big decision. You’re making a longterm investment to help secure your family’s future. You can count on Alan Christian Mortgage Team to help you through the process.We dedicate our many years of experience to providing clients the best loan opportunities in the market.
  • NEIGHBORHOOD MORTGAGE, INC.
  • 1835 Lockeway Drive, Suite 306, Alpharetta, GA, 30004
  • Our experienced loan consultants will give you personal attention and treat you with the respect you deserve . We understand that purchasing a new home or refinancing your current home can be one of the biggest decisions you will make in your lifetime. That’s why we are committed to making the process as comfortable and hassle free as possible.
  • HOME LENDERS OF GEORGIA, LLC
  • 1865 Lockeway Drive, Suite 605, Alpharetta, GA, 30004
  • Home Lenders of Georgia, our experienced mortgage consultants will help you find the best mortgage. We know that each customer has specific needs, so we strive to meet those needs with a wide array of products from FHA Home Loans to VA Loans and all programs in between. We pride ourselves on outstanding customer service
  • OPTIONS MORTGAGE SERVICES LLC
  • 4005 Nine McFarland Dr, Suite 250, Alpharetta, GA, 30004
  • OPTIONS MORTGAGE SERVICES We don't want you to be a story we hear at our next Dinner Party. We specialize in thoroughly pre- qualifying our clients before they ever go out looking for their dream homes. Many Lenders will promise you anything to get you in the door. Then, when and if you get to closing, they will change the loan program
  • Bulldog Lending
  • 8300 Dunwoody Place, Suite 210, Atlanta, GA, 30350
  • We specialize in unconventional commercial hard money loans on real estate, equipment, and aircraft. Our expertise and depth of lending knowledge allows us to consider loans that are outside of the core competency of conventional lenders. With several decades of experience, we are able to quickly understand the value of an asset.
  • Community Loans of America, Inc
  • 8601 Dunwoody Pl, Suite 406, Sandy Springs, GA, 30350
  • Our company is a leading provider of short-term consumer loans, operating since 1994. Building strong relationships, by providing a valuable service to the communities in which we serve by offering access to short-term financial solutions in the form of Title, Payday and Signature Installment Loans that fit our client's immediate financial needs
  • American United Mortgage Corporation
  • 1010 Huntcliff, Suite 1350, Atlanta, GA, 30350
  • American United Mortgage Corporation was founded with the vision of providing the best rates and service from an honest company that was built on integrity and the desire to treat people the way they deserve to be treated. We offer free pre-qualifications for all borrowers looking to purchase a new home.
  • TRISTONE FINANCIAL LLC
  • 9040 Roswell Road -, Suite 325, Atlanta, GA, 30350
  • Tristone Financial, we work to secure the best Georgia interest rate with low fees for our clients. Our seasoned loan officers will help you to structure your home loan and guide you throughout the entire process. Structure, strategy & service are how we maintain our elite reputation in the financial marketplace.