USDA VS FHA in Los-Angeles, Los Angeles County, CA

For 2026, the USDA loan limit in Los-Angeles, county of Los Angeles, CA, is $657,900. In contrast, the FHA cap for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to analyze and compare today's top USDA and FHA rates. This tool assists in determining the necessary income, credit profile, reserves, and documentation for qualification. With our advanced mortgage calculator, view USDA, FHA, Conforming, and VA loans side by side to determine the most suitable option for your financial needs in Alabama.

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2026 Loan Limits and Down Payment Requirements in Los-Angeles, 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 Los-Angeles, CA

The aim of Lendersa® is to connect you with the best USDA or FHA loan quickly and without hassle. Choose one of three initial pathways that link you to matching lenders and USDA loan programs.

Lendersa USDA loan request and results

What is a USDA Loan in CA?

A USDA home loan, guaranteed by the U.S. Department of Agriculture and also referred to as a USDA rural development loan or USDA mortgage, is specifically for rural neighborhoods. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans require no down payment, providing a key advantage for qualified borrowers.

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



Los-Angeles Lenders

  • XPRS Capital
  • 2800 28th Street, Suite 125, Santa Monica, CA, 90405
  • Lends in California
  • At XPRS, our goal and our mission is to use technology to bridge that gap. We use the latest technology to efficiently connect small businesses with capital so that these businesses, the lifeblood of the American economy, can grow and prosper. We deliver small business loan application decisions in minutes and funding in as quickly.

  • First Pacific Financial
  • 2800 28th Street, Suite 130, Santa Monica, CA, 90405
  • Lends in California
  • First Pacific Financial was founded in 1989 on the principle that good advice is at the core of every prudent investment. Through the diligent application of this principle, First Pacific has earned the reputation of being a premier provider of real estate financing. We offer a wide variety of investment programs, including

  • Debtcraft
  • 2801 Ocean Park Blvd, Suite 358, Santa Monica, CA, 90405
  • Lends in California
  • Debtcraft provides its partners and co-investors with high quality investment opportunities and to provide the borrowing community a reliable source of debt and equity for their real estate, business and entrepreneurial pursuits. Call us to learn how to join us as investors or to see if we can assist you with your capital request.

  • Advantage Real Estate
  • 1021 Pico Blvd, Santa Monica, CA, 90405
  • Lends in California
  • At Advantage Real Estate, Inc. Put your trust in licensed realtor® in David Rosenfeld and Advantage Real Estate. This local veteran-owned real estate agency helps clients in the Santa Monica, CA, area find the right loan programs. No matter what your goals are, their realtor® is ready to help you achieve them.

  • Save Financial Incorporated
  • 13763 Fiji Way, Eu2, MARINA DEL REY, CA, 90292
  • Lends in California
  • Save Financial Incorporated

    Smarter lending & savings guidance

    Save Financial Incorporated helps individuals and families explore loan and financial options—including mortgage and personal loan solutions—with clarity, speed, and care. Talk to Mike Basti—call 949-379-5320 or email mike@iloanca.com today.

  • Red-Syndicate Finance LLC
  • 4333 Admiralty Way, Marina Del Rey, CA, 90292
  • Lends in California
  • Our financing amount ranges from $5M to $100M+. We provide aggressively priced quick, short-term financing. We make loans available for use toward acquisitions, construction, refinancing, lines of credit, and other market-driven opportunities. For more inquiries, kindly send us an e-mail or give us a call today!

    info@RedSyndicate.LLC
    (424) 209-

  • Avant Financial Group
  • 5003 Pacific Ave, Unit 1, Marina Del Rey, CA, 90292
  • Lends in California
  • Avant Financial Group you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • Queen Bee Brokers
  • 333 Washington Boulevard, Suite 469, Marina Del Rey, CA, 90292
  • Lends in California
  • Queen Bee Brokers will provide you with the expertise and efficiency you deserve through this exciting process. In addition to real estate sales,Queen Bee Brokers is licensed to arrange real estate financing in California. Whether you are interested in purchasing a home or Refinancing your existing mortgage.

  • ABM Realty Group Inc.
  • 11600 West Washington Place, Suite 111, Los Angeles, CA, 90066
  • Lends in California
  • 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.

  • E3 Capital Partners
  • 10659 W. Pico Blvd, Los Angeles, CA, 90066
  • Lends in California
  • E3 CAPITAL PARTNERS® is a Real Estate mortgage, finance, brokerage, consultancy for Commercial and Residential Real Estate. E3 Capital partners underwrites/ corresponds with over 200 lenders for ALL property types, ALL borrower types, ALL loan product types. BROKERAGE: Client Representation to list and sell homes.