In 2026, the USDA loan maximum for the city of Monrovia, located in the county of Los Angeles, CA, is set at $776,600. Meanwhile, the FHA establishes a cap of $1,089,300 for single-family residences.
To weigh today's optimal USDA versus FHA rates, utilize the Lendersa® USDA loan calculator, which also helps ascertain the income, credit, reserves, and necessary documentation for qualification. This sophisticated mortgage tool presents side-by-side comparisons of USDA, FHA, Conforming, and VA programs, assisting in selecting the most beneficial option for your financial condition in
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| Type of Loan | Maximum Limit | Down Payment | |
| USDA | $776,600 | 0% | |
| FHA | $1,089,300 | 3.5% | |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® aims to effortlessly secure you the most favorable USDA or FHA loan swiftly. You can choose from three starting approaches that pair you with the most suitable lenders and USDA loan options.
A USDA home loan, endorsed by the government through the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, available exclusively in rural localities. While FHA loans mandate at least a 3.5% down payment, a USDA mortgage requires none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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