USDA Vs. FHA Pro and Con comparison in Oceanside, San Diego County, CA
In the year 2025, the maximum USDA loan amount in Oceanside, situated in the county of San Diego, CA, is $703,800. On the other hand, the limit for an FHA loan for a single-family dwelling is set at $977,500.
You can utilize the Lendersa® USDA loan calculator to evaluate and compare today's most advantageous USDA versus FHA rates. It also helps establish the income requirements, credit score, reserves, and necessary documentation for qualification. With our advanced mortgage calculator, you can assess USDA, FHA, Conforming, and VA loans side-by-side, thus determining which scheme in suits your financial needs the best.
2025 Loan Limits and Down Payment Requirements in Oceanside, County of San Diego, CA
Loan Category
Top Loan Value
Required Down Payment
USDA
$703,800
0%
FHA
$977,500
3.5%
Conventional Conforming
$977,500
3%
Exploring USDA and FHA Loan Alternatives in Oceanside, CA
Lendersa® is dedicated to finding you the most suitable USDA or FHA loan quickly and with minimal difficulty. Choose one of the three starting options below to connect with lenders and explore USDA lending programs that match your requirements.
The USDA home loan is backed by the government’s Department of Agriculture—commonly known as the USDA rural development loan or USDA mortgage. It is mainly available in rural localities. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not demand any initial payment.
5775-D Glenridge Drive, Suite 200, Atlanta, GA, 30328
Metro Brokers Financial is the #1 Atlanta mortgage broker. We’re 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 an Atlanta mortgage simple
333 Sandy Springs Circle Northeast, Atlanta, GA, 30328
Plymouth Funding LLC is a private hard money lender based out of Atlanta, Georgia that specializes in financing non-owner occupied rehab projects and new construction of commercial and residential properties. Even if you're not a real estate investor, our loans may be a great way to meet your financial needs.
Fairview is a private commercial and residential lender. We are a direct lender with no upfront fees. We strictly lend our own money and hold / service all of our own loans. All decisions are made in house which allows us to close loans quickly. When you work with Fairview, you work directly with the decision makers.
Realty Resources Corporation was founded in 1976. We are real estate brokers and direct hard money lenders on any kind of property in Georgia, and we’ve closed thousands of hard money loans in Greater Atlanta and now in Savannah. Whether you are looking for Hard Money Lenders, Private Money Lenders, Loans for Bad Credit.
6000 Lake Forrest Drive, Suite 100, Atlanta, GA, 30328
Yieldi platform and team focuses on only real estate based investments bringing high yields distributed on a monthly basis. All Yieldi offerings are asset
based, meaning your
investment is backed by
validated collateral such as a
Real Estate, Commercial and
Residential property.
Crescent Mortgage Company was founded on February 16, 1993 as a wholesale lender for community banks in the Southeastern United States. On the first day of business, we faxed a hand written rate sheet to our first approved correspondents. By 10:00 AM the following morning we had received over $25,000,000 in loan locks,
Angel Oak Mortgage Solutions offers the nation’s most aggressive non-agency and specialized mortgage solutions. We work directly with brokers and correspondents specializing in non-conforming, non-agency products that offer consumers unique flexibility.We are bringing liquidity back into the underserved segment of the market.
XCEL Commercial Capital was formed in May 2010. It was formed as an offshoot of HomeStar Mortgage, Inc., which was incorporated May 1999. Over the last 11 years, we have originated many commercial loans stemming from requests from current and past customers, commercial real estate brokers, and other referral partnerships.
The Westmoore Group was formed to provide unique capital solutions for the real estate mortgage marketplace. We have the ability to offer all product types including residential mortgage loans to owner occupied borrowers who cannot qualify for conventional financing. We also lend to real estate investors and on commercial property.
F&M Bank and Trust was founded as a bank for the people, and we have been providing our community with consumer and commercial loans for nearly seventy-five years. We strive to provide our customers with the hospitality that they have come to expect from their local hometown bank through competitive loan products.
Piedmont Capital Lending provides short-term real estate secured loans for all types of commercial and residential use and all types of credit profiles. We provide speed and flexibility in financing that traditional banks cannot offer. Our loans are funded in-house, which means you get your money fast and at preferred rates.
