During 2025, the USDA loan limit for Lucerne, in the county of Lake, CA, is $400,000. The FHA limit for a single-family house is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s USDA and FHA best rates, assessing required income, credit, reserves, and necessary documents. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans in parallel, assisting in choosing the right program for your financial scenario in Alabama.
Check loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $400,000 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to promptly secure the best USDA or FHA loan without hassle. Choose one of three methods to match with lenders and available USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, commonly called a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans have no down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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