USDA and FHA Pro and Con in Manhattan-Beach, Los Angeles County, CA

In 2025, USDA loan limit in Manhattan-Beach, county of Los Angeles, CA is $657,900 while FHA limit is $822,375 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 Manhattan-Beach, county of 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 Manhattan-Beach, 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?



  • Hard Money Go
  • 10100 Santa Monica Blvd. #300, Los Angeles, CA, 90067
  • Hard money lenders are usually private investors or businesses that specifically handle this type of loan. We offer business loans with the lowest rates, quickest approval times and minimal red tape. We specialize in Hard Money Lending in San Diego.A hard money loan is a way for you to borrow money for property without resorting to traditional
  • Guzzo & Co Inc.
  • 2029 Century Park E, Suite 400 Office 487, Los Angeles, CA, 90067
  • "Led by the Guzzo's family for over five generations in Europe, Guzzo & Co has been primarily associated with merchant activities. Started as an investment company in Italy, Guzzo & Co has expanded its presence in North America with a Mortgage Lending division and continues today to be an active independent investment firm"
  • American Trust Financial
  • 1880 Century Park East, Suite 412, Los Angeles, CA, 90067
  • With Over 30 Years of Combined Experience, Our Team has the Knowledge and Expertise to Ensure Professional, Accurate, High-Quality Service. We can give you an answer within 24 hours to see if you qualify for financing even if you have been turned down by other lenders. We put together a repayment plan with our borrowers that works for them.
  • Hard Money Go - Direct Hard Money Lenders
  • 10100 Santa Monica Blvd. #300, Los Angeles, CA, 90067
  • Hard Money Go specializes in residential and commercial hard money lending throughout Southern California. As the largest single source of private money, we have the ability to fund hard money loans within 10 business days and can get your deals closed under strict time deadlines.
  • Century City Mortgage
  • 1801 Century Park East #1101, Los Angeles, CA, 90067
  • Century City Mortgage is a full service mortgage brokerage operation that provides financing across almost all real estate categories. Our goal has been to provide property owners of all levels with not just financing, but long term strategy advice for their particular situation.
  • Archway Funding
  • 1875 Century Park East, Suite #900, Los Angeles, CA, 90067
  • Archway Capital is an alternative investment manager that provides short-term, bridge financing secured by commercial and residential real estate nationwide. Archway and it's affiliated funds have over 600MM in AUM. Archway offers quick, reliable and flexible lending solutions to help real estate sponsors meet their investment objectives.
  • Pacific Western Bank
  • 9701 Wilshire Boulevard, Suite 700, Beverly Hills, CA, 90212
  • Pacific Western Bank is a commercial bank with over $40 billion in assets headquartered in Los Angeles, California, with executive offices in Denver, Colorado. The Bank has 69 full-service branches located in California, with one branch located in Durham, North Carolina, and one branch located in Denver, Colorado.
  • Luther Burbank Savings
  • 175 South Beverly Dr, Beverly Hills, CA, 90212
  • Luther Burbank Savings offers a comprehensive suite of lending and savings products designed to protect and expand your enduring worth. We opened our doors in 1983 and recorded a profit in our second quarter of operations and in every quarter since. This is a true testament to our team's efforts to maintain fiscally sound banking practices