USDA and FHA Pro and Con in La-Habra-Heights, Los Angeles County, CA

For the year 2025, the USDA loan limit in La-Habra-Heights, within the county of Los Angeles, CA, is set at $657,900, while the FHA loan limit is at $822,375 for a single-family dwelling.

Utilize the Lendersa® USDA loan calculator to assess and contrast today's top USDA and FHA rates. This tool determines income, credit score, reserves, and documentation needed for eligibility. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side in , making it easier to choose the best option for your financial needs.

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Loan limits and down payment requirements for 2025 in La-Habra-Heights, Los Angeles, CA

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

Exploring USDA and FHA Loan Options in La-Habra-Heights, CA

Lendersa® strives to provide you with the best USDA or FHA loan quickly and with minimal hassle. Choose from three initial routes that connect you with lenders and available USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

The USDA home loan, backed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is intended only for rural communities. Unlike FHA loans, which demand at least a 3.5% down payment, the USDA mortgage requires no down payment at all.

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



  • North Street Finance, LLC
  • 1901 Harrison St, Suite 1100, Oakland, CA, 94612
  • Since 2016, North Street has closed nearly $100 million of loans with a select number of experienced investors largely based in the San Francisco Bay Area. We are dedicated to being your preferred capital partner and are focused on providing creative and flexible solutions that will help you grow your business.
  • Citi Capital Mortgage
  • 300 Frank H. Ogawa Plaza, Suite 250, Oakland, CA, 94612
  • 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.
  • PhinanceUS
  • 1901 Harrison St, Suite 1101, Oakland, CA, 94612
  • PhinanceUS is a mortgage company that specializes in residential, multi-family, and commercial real estate financing. We have 30 years of experience in the mortgage industry.residential, multi-family, and commercial real estate financing. We have 30 years of experience is here to solve your real estate finance needs
  • RISEN MORTGAGE
  • 3707 E. Southern Ave, Mesa, AZ, 85206
  • We have been in the Mortgage service business for over 17 successful years. This longevity & confidence comes from our Mortgage services to a great many buyers & repeat clients for refinances. We will shop some of the Nations lenders that will fight for your business with aggressive rates and we will match you with the best lenders in the Country.
  • KRF Financial LLC
  • 4445 E Holmes Ave, Suite 101, Mesa, AZ, 85206
  • KRF Financial LLC is an Arizona corporation focusing on Arizona, Utah and Idaho residential properties. We don't tele-market or use mass mail to increase our business. We work by referral only. That way we can spend more time helping you. We have over twenty years of experience in the mortgage business helping individuals buy their first home.
  • kda home financial
  • 4447 E. Broadway Rd, Suite 102, Mesa, AZ, 85206
  • At KDA Financial, we work with clients in a variety of financial situations, assisting with everything from conventional home loans that offer a fixed rate 30 year mortgage with 20% down, to services for people who may be qualified for specific types of loans, such as VA and FHA loans.
  • Mesa Mortgage, Inc.
  • 3850 East Baseline Road, Suite 115, Mesa, AZ, 85206
  • "Mesa Mortgage, Inc., was established in June of 1999. We are a family-owned and operated business located in Mesa, Arizona. We help individuals and families throughout the state of Arizona secure their loan with the most competitive rates possible. Whether you are purchasing your first home, a vacation home, interested in refinancing your mortga
  • SUN AMERICAN MORTGAGE COMPANY
  • 4140 E. Baseline Rd. Ste 206, Mesa, AZ, 85206
  • Established in 1984, we are a group of mortgage professionals dedicated to helping our clients achieve their real estate and home financing goals. We offer home purchase, refinance, and reverse mortgage services to our clients. If you’re thinking about buying a home or refinancing, we are here to help you!
  • Bridgepoint Funding, Inc.
  • 3478 Buskirk Avenue, Suite 1000, Pleasant Hill, CA, 94523
  • Bridgepoint Funding 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.
  • United Home Mortgage Corporation
  • 2300 Contra Costa Boulevard, Suite 315, Pleasant Hill, CA, 94523
  • UHM is the first USA mortgage brokerage in Dubai. United Home Mortgage was founded in California in 1994 . Since then the company has earned an outstanding reputation in the marketplace with its clients, financial institutions and banks. The foundation of UHM is unwavering stance on conducting business with the highest ethical standards.