USDA Vs. FHA your options comparison in Lemon-Grove, San Diego County, CA

In 2025, USDA loan limit in Lemon-Grove, county of San Diego, CA is $615,000 while FHA limit is $753,250 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 Lemon-Grove, county of San Diego, CA

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

USDA and FHA loan options in Lemon-Grove, 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?



  • Industrial Bank
  • 4812 Georgia Avenue NW, Washington, DC, 20011
  • "Founded on August 20, 1934, Industrial Bank is the oldest and largest African American owned commercial bank in the metropolitan Washington region. Since 1934, the bank has delivered essential banking and financial services that have contributed greatly to the growth and development of the Washington, D.C. community.
  • Howard University Employees Federal Credit Union
  • 525 Bryant Street NW, Room C-102, Washington, DC, 20059
  • Howard University Employees Federal Credit Union was chartered in Washington, DC on October 11, 1935, the same year that the Federal Credit Union Act became law. Thanks to the courage and foresight of eleven charter members, our credit union was formed with the common bond to serve employees of Howard University and members of their families.
  • Advantage Financial Federal Credit Union
  • 1319 F Street NW, Suite 500, Washington, DC, 20004
  • Advantage Financial Federal Credit Union Our Credit Union was originally chartered in 1932 by a small group of Veterans Administration employees. They were dedicated to building a financial institution that would provide outstanding financial services...at the lowest possible cost
  • Verus Mortgage Capital
  • 1155F ST NW, Suite 1075, Washington, DC, 20004
  • Verus is a mortgage investor filling the credit void in today’s mortgage market. Verus acquires responsible non-agency mortgage loans from correspondents. Acquisition programs are designed to address the issues limiting a borrowers’ access to credit through common sense underwriting. All programs focus on the borrowers’ ability to repay.
  • First Citizens Community Bank
  • 1163 South Main Street, Mansfield, PA, 16933
  • A simple philosophy can lead a company to great rewards. Treat your customers, your employees, and your communities with respect and you will earn their loyalty. Our strategy has never been about selling products, but instead about finding ways to make life more rewarding for our customers and employees.
  • AFL-CIO Employees Federal Credit Union
  • 555 New Jersey Avenue NW, Suite 100, Washington, DC, 20001
  • The mission of the AFL-CIO Employees Federal Credit Union is to be the primary financial institution for union members and their families, providing quality products and member service, consistent with the values of the labor movement As a credit union, we exist solely to serve the financial needs of our membership.
  • 314 Capital
  • 455 Massachusetts Avenue NW, Unit 328, Washington, DC, 20001
  • 314 Capital We specialize in the direct origination of long and short term loans for residential and commercial investment properties. We're a alternative to Hard Money, which means our programs are designed as a lower cost option while helping the investor achieve their goals of building quality and sustainable housing across the nation
  • Americhoice Federal Credit Union
  • 2175 Bumble Bee Hollow Rd, Mechanicsburg, PA, 17055
  • AmeriChoice Federal Credit Union was founded in 1970 by a small group of IBM Corporation employees. Through the years, we’ve grown by extending eligibility to the South Central PA Community including Adams, Cumberland, Dauphin, Lebanon, Perry or York Counties. Today, we are more than 15, 000 members strong with assets exceeding $180 million.
  • Magellan International Mortgage Corporation
  • 260 Crandon Blvd, Suite 9, Key Biscayne, FL, 33149
  • We closed our first loan in 1989 and from then on it has been a fantastic road in helping homeowners achieve their dreams of financing their property. Centrally located in Key Biscayne, Florida and servicing the whole South Florida area, we are partnered with the top Wholesale lenders in the country. Maria is the owner
  • Construction, Private, & Hard Money Lending - London Financial Company (LFC)
  • 965 Crandon Boulevard, Key Biscayne, FL, 33149
  • London Financial Company (LFC) our underwriting is flexible, individual, and tailored to your requirements. We have no hard and fast rules to determine the terms of your loan. Whether it be a construction or hard money/private equity loan, we pride ourselves on coming up with fair terms on a case-by-case basis.
  • Allcredit Home Loans, Inc
  • 228 Baltimore Street, Hanover, PA, 17331
  • We offer many low & NO down payment financing options.And in many cases the seller can pay part or all of your closing costs so you can purchase a home with not a lot of money.All Credit Home Loans Inc is located in Hanover, PA, USA & is part of the Activities Related to Credit Intermediation Industry. All Credit Home Loans Inc has 2 total employee