As of 2025, the USDA loan limit available in La-Mesa, San Diego county, CA is set at $615,000, whereas the maximum for an FHA loan on a single-family home is $753,250.
The Lendersa® USDA loan calculator allows you to evaluate today's best USDA versus FHA rates, helping determine the income, credit, reserve requirements, and documents needed for qualification. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA plans side by side, assisting in finding the most suitable program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $615,000 | 0% |
| FHA | $753,250 | 3.5% |
| Conventional Conforming | $753,250 | 3% |
The aim of Lendersa® is to streamline the process of obtaining the optimal USDA or FHA loan promptly and efficiently. By choosing one of three starting methods, you are matched with suitable lenders and USDA programs tailored for you.
A USDA home loan, endorsed by the U.S. Department of Agriculture, either as a USDA rural development loan or USDA mortgage, is exclusively offered in rural areas. Unlike FHA loans which mandate a minimum down payment of 3.5%, USDA loans require no down payment, thus easing the path to homeownership in rural zones.
Enter your location to find out if it qualifies for USDA rural housing loan?
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