USDA Vs. FHA Pro and Con comparison in Palm-Springs, Riverside County, CA

In 2025, USDA loan limit in Palm-Springs, county of Riverside, CA is $381,800 while FHA limit is $477,250 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 Palm-Springs, county of Riverside, CA

Loan Type Loan Limit Down payment
USDA $381,800 0%
FHA $477,250 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Palm-Springs, 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?



  • Hamilton Mortgage Services Inc
  • 11776 W. Sample Road, Suite 104, Coral Springs, FL, 33065
  • The Hamilton Mortgage Services Inc. Team is a premiere mortgage company located in Pembroke Pines, Florida. We pride ourselves on offering some of the lowest rates available without sacrificing excellent customer service. Our goal is to ensure that you are choosing a loan that fits both your present and future needs.
  • Prestige Home Loans LLC
  • 2900 N University Drive, Coral Springs, FL, 33065
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • Corporate Capital Direct
  • 10101 W Sample Rd, Suite 323, Coral Springs, FL, 33065
  • Corporate Capital Direct is a nationwide Financial Service Company serving all 50 states, with multiple offices located around the country.Our team of specialized finance professionals are there to provide the business owner with the funding options and resources to overcome the challenges of maintaining a successful business.
  • The Loan Center Inc
  • 3111 N University Drive, Suite 613, Coral Springs, FL, 33065
  • Listing, Selling and renting South Florida Real Estate for over 15 years. Real estate listing, homes for sale, homes for rent, apartments for rent, foreclosure for sale, foreclosure list, Parkland homes, Coral springs homes, Pembroke homes, Parkland real estate, Short sale, HUD homes, Mortgages, FHA loans,
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  • 2801 N. University Dr 204, Coral Springs, FL, 33065
  • Residential Savings Mortgage, Inc., a Licensed Mortgage Brokerage Business, is committed to providing you with the very best mortgage solutions for your current financial situation. Our Management Team has over 70 years of experience in the mortgage industry and are always available in the office during regular business hours.
  • Supreme Lending
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  • Supreme Lending, one of the most respected Mortgage Bankers, was established in 1999 by Scott Everett. Having an extensive business and mortgage background, Mr. Everett has secured the respect of mortgage professionals and is committed to attracting not only the most professional loan officers but also the most cutting edge loan products
  • ACE MORTGAGE LOAN CORPORATION
  • 10181 W. Sample Road, Coral Springs, FL, 33065
  • Ace Mortgage Loan Corporation was created in 1996 to help people achieve their American Dream. Long before “bubbles”or “collapses”, Ace Mortgage Loan Corporation was representing client’s interests in navigating the mortgage market with knowledgeable friendly staff and a leading research and compliance team.
  • Primeco Mortgage Corporation
  • 10101 West Sample Road Suite 202, Coral Springs, FL, 33065
  • Primeco Mortgage Corporation (PMC) is a Mortgage Company that prides itself on exceptional client service, competitive rates, and the delivery of customized home mortgage solutions the RIGHT way. We recognize this is a new era in mortgage lending and we’ve built our team, process and service delivery model with this in mind.
  • Halo Mortgage
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  • Halo Mortgage, we are passionate about who we are and what we do and a lot of that is because we feel that our Mortgage Broker model is Better than the rest. Not only is it Better for us (we don’t like limitations) but it’s Better for you too. Halo Mortgage, offering personalized mortgage solutions
  • Traditions Bank
  • 100 N. George St., York, PA, 17401
  • At Traditions Bank. We’re a full-service community bank that’s committed to helping our customers, communities and team members make their mark on the world. Our sole purpose is to help you succeed, and while our business may be banking, our heart is people. We’re an honest, intentional financial partner with best-in-class team members
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  • 3 Star Capital has over 20 years of experience in the finance industry.With an expertise in commercial real estate acquisitions & refinancing, & equipment leasing & financing.Our portfolio also includes: business lines of credit, & SBA business loans.We started out in 1997 with an expertise in equipment leasing & commercial real estate financing.
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  • 23257 North State Road Seven, Suite 200, Boca Raton, FL, 33428
  • GCM Mortgage LLC offers some of the lowest rates and makes the Mortgage loan process as easy as ABC, quick and straightforward for borrowers seeking a mortgage in the Florida area. Our primary goal is to build lasting relationships with each of our clients so that we will continue providing excellent services for many years to come.