USDA Vs. FHA your options comparison in Lucas-Valley-Marinwood, Marin County, CA

For 2025, the USDA loan limit in Lucas-Valley-Marinwood, located in Marin, CA, is $657,900, while the FHA limit for a single-family home is $822,375.

Utilize Lendersa® USDA loan calculator to compare the best USDA and FHA rates available today. Discover the income, credit, reserves, and documents necessary to qualify. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA side by side, helping you decide on the best program for your financial needs in .

Review loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Lucas-Valley-Marinwood, Marin, 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 Lucas-Valley-Marinwood, CA

The mission of Lendersa® is to connect you with the ideal USDA or FHA loan swiftly and effortlessly. Choose from three starting options that lead to matching lenders and available USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and available only in rural neighborhoods. Unlike FHA loans that require a 3.5% down payment, USDA loans do not require any down payment.

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



  • IPL Mortgage
  • 1601 Dove St, Suite 181, Newport Beach, CA, 92660
  • IPL Mortgage is a full service mortgage company licensed by the California Bureau of Real Estate NMLS license #1323733. All of our agents have a minimum of 10 years of experience, ensuring our clients are working with a knowledgeable professional. We take pride in our customer service with a mission to secure the best possible
  • Double A Funding
  • 3501 Jamboree Road, Suite 430, Newport Beach, CA, 92660
  • Double A Funding is a Full-Service Mortgage Brokerage Company. We have flexibility to shop the entire lender market. This can provide borrowers a significant pricing advantages over banks. Double A Funding Provides both COMMERCIAL LOANS and RESIDENTIAL LOANS with other MULTIFAMILY LOANS or Private Money Loans.
  • Back Bay Lending Inc
  • 14 Corporate Plaza, Suite 120, Newport Beach, CA, 92660
  • Back Bay Lending 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 the latest in financial tools.
  • Mortgage Finance Group Inc
  • 620 Newport Center Drive, Suite 1100, Newport Beach, CA, 92660
  • We have a wide range of offerings to match your specific needs. We are Professional Mortgage Broker in California. Providing all aspects of Real Estate Finance at industry best competitive rates. Fixed Rate and ARM Loans, Jumbo & Conforming, Interest Only and Non-QM Products available! Arranging competitive financing for all of your real estate fin
  • AMS Holdings, Inc
  • 4040 MacAarthur Boulevard, Suite 309, Newport Beach, CA, 92660
  • AMS Real Estate is one of the fastest growing residential and commercial real estate companies, provides brokerage and consulting services in fields of Mortgage, Real Estate, and Development. Industry knowledge, experience, and attentive customer services drives AMS trajectory. A streamlined approach eliminates non-productive tasks.
  • InvestorsAlly, Inc.
  • 2901 West Coast Highway, Suite 200, Newport Beach, CA, 92660
  • InvestorsAlly Home Loans provide a worldwide service that’s locally expert and globally informed, we believe that inspired teams naturally provide excellent and dedicated service. We’ve created a workplace where opinions are respected, where everyone is invited to contribute to the success of our business and where they’re rewarded for excellence.
  • Reynolds, Darren
  • 2549 Eastbluff Drive, Suite 408, Newport Beach, CA, 92660
  • Title Properties provides California homeowners access to personalized brokerage services and comprehensive support throughout your real estate sales process, all for a 1.9% listing fee. Get industry leading value and service without the high expense of a traditional full service agent or broker. Get the REALTOR® benefit without the REALTOR® price!
  • Firstline Home Loans, Inc.
  • 4425 Jamboree Road, Suite 140, Newport Beach, CA, 92660
  • At Firstline Home Loans, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Century Mortgage
  • 14 Corporate Place, Suite 120, Newport Beach, CA, 92660
  • Century Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
  • Sol Terra Estates & Lending Inc.
  • 23 Corporate Place, Suite 150B, Newport Beach, CA, 92660
  • Sol Terra Estates and Lending Inc. is a small boutique office created and run by extremely passionate and qualified individuals who have extensive high end corporate sales backgrounds and are top rated professionals in the Real Estate and Lending industries. We provide our clients with the best in Real Estate Sales, Marketing, Investing and Lending
  • Coastal Capital Funding Inc
  • 1300 Bristol Street North, Suite 100, Newport Beach, CA, 92660
  • Coastal Capital Funding is a residential mortgage practice with a track record of closing on time and providing AMAZING communicating to our clients. Steve Berger has been a licensed mortgage professional in multiple states since 2003. He is the Founder and CEO for Coastal Capital Funding
  • Fast Direct Lending
  • 4100 Campus Drive, Suite 210, Newport Beach, CA, 92660
  • We take pride in providing you with excellent service and appreciate the opportunity to assist you with your Mortgage Needs. Fast Direct Lending, a professional mortgage company specializing in residential mortgages.At Fast Direct Lending, we will find a loan that fits each borrower.