USDA Vs. FHA your options comparison in Manhattan-Beach, Los Angeles County, CA

Throughout 2026, the USDA loan limit in Manhattan-Beach, within the county of Los Angeles, CA, is specified as $657,900. In contrast, the FHA limit for a single-family home is $822,375.

To evaluate today's top USDA versus FHA rates, use the Lendersa® USDA loan calculator. This helps in understanding the income, credit, reserves, and documentation requirements for qualification. The advanced mortgage calculator conveniently provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, facilitating your decision on which program in suits your financial situation best.

Compare loan offers from over 100 lenders

2026 Loan Limits and Down Payment Requirements in Manhattan-Beach, 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® is committed to securing you the optimal USDA or FHA loan quickly and with ease. You can choose one of three starting paths that link you to lenders and the USDA loan programs available.

Lendersa USDA loan application and results matching

Explaining the USDA Loan in CA

The USDA home loan is backed by the U.S. Department of Agriculture, commonly referred to as the USDA rural development loan or USDA mortgage. It is exclusively available in rural settings. Unlike FHA loans that necessitate a minimum of 3.5% down payment, the USDA mortgage requires no down payment at all.

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



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