USDA Vs. FHA your options comparison in Hermosa-Beach, Los Angeles County, CA
As of 2026, the USDA loan limit in Hermosa-Beach, within Los Angeles county of CA, is $657,900. Meanwhile, the FHA limit for a single-family home stands at $822,375.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates and ascertain the needed income, credit scores, reserves, and documentation to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA programs, assisting you in deciding which option in is best suited to your financial situation.
2026 Loan Limits and Down Payment Requirements in Hermosa-Beach, Los Angeles, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Variety of USDA and FHA Loan Options in Hermosa-Beach, CA
The goal at Lendersa® is to connect you swiftly with the most suitable USDA or FHA loan options, minimizing hassle. Choose one of three starting pathways that lead to lender matches and USDA loan programs:
A USDA home loan, backed by the Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage. It is exclusively accessible to those residing in rural neighborhoods. Unlike FHA loans requiring a minimum of 3.5% down payment, USDA loans require no down payment, simplifying the process of attaining homeownership in rural areas.
First Bank and Trust Company is a relationship-driven and community-focused financial institution that provides personal and commercial banking products and services across its 31 locations in Virginia and Northeast Tennessee.
The First Bank & Trust Company is a diversified financial services firm with 22 full-service Branches
Established in 2001 and headquartered in Westfield Center, Ohio, Westfield Bank currently serves customers in Cuyahoga, Richland, Medina, Stark, Summit, and Wayne counties as well as insurance agencies across the country. We deliver financial roadmaps and solutions so families, businesses, and insurance agencies can thrive.
Putnam School Employees Federal Credit Union, charter number 21107, was founded November 9, 1972. It was chartered to serve the employees of Putnam County Board of Education. At Conception it was operated out of the home of founding members Mr. and Mrs. Raymond Peak. Following there, space was donated by the Putnam County Board
Home National Bank exists to give our customers the best, most competitive banking experience possible. We do this by offering them the latest & greatest banking products & services in an environment that is friendly, personal. Home National is to see our community thriving in improved quality of life through the financial services that we offer.
112-114 North Sycamore Street, Elizabethton, TN, 37643
Elizabethton Federal Savings Bank has been serving the communities of Northeast Tennessee and the Tri-Cities since 1937. With branch offices in Carter County, Johnson County and Washington County, Tennessee, we provide our customers with a complete selection of financial products.
Northeast Community Credit Union began in 1952 as Elizabethton Teachers Credit Union to provide financial services to area educators. A small group of school teachers petitioned the Tennessee Department of Financial Institutions for a charter to begin the credit union, due to school staff finding it more difficult to borrow since they were paid.
Happy Valley Credit Union was chartered by the State of Tennessee in 1933 to service the employees of NARC & Bemberg. Our Name was originally Bemberg-Glanzstoff Credit Union. Our name changed to Happy Valley Credit Union in 1934. Membership is open to anyone who worships, lives, or works within one of our census tract areas of Carter County, TN.
Since 1934, families and businesses have placed their trust and confidence in a bank that has grown and prospered right along with the East Tennessee region. Today, Citizens Bank is one of Tennessee's most solid banks, providing the best available financial services, convenience, technology, and expertise, so you can bank your own way
