USDA Vs. FHA your options comparison in Palmdale, Los Angeles County, CA

In 2026, the USDA loan limit for Palmdale in Los Angeles county, CA, is $776,600, whereas the FHA limit for a single-family residence is $1,089,300.

Use the Lendersa® USDA loan calculator to efficiently compare today’s best USDA vs. FHA rates and determine the necessary income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side-by-side, helping you choose which program in suits your financial scenario best.

Review loan offers from a range of 100 lenders

2026 Loan Caps and Down Payment Needs in Palmdale, County of Los Angeles, CA

Loan Type Maximum Loan Down Payment Percentage
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Choices in Palmdale, CA

The objective of Lendersa® is to secure the best USDA or FHA loan quickly and conveniently, without complications. Begin with one of the three outlined pathways, guiding you to matching lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

The USDA home loan, endorsed by the Department of Agriculture, otherwise known as a USDA rural development loan or USDA mortgage, is only available in rural regions. This differs from FHA loans, which require at least a 3.5% down payment; USDA loans have no down payment requirement.

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



  • AGM Financial Services Inc
  • 20 South Charles Street, Suite 1000, Baltimore, MD, 21201
  • AGM Financial Services, Inc. is a leading FHA Lender providing financing for both Market Rate and Affordable housing communities. AGM arranges federally insured mortgages for apartment projects under FHA’s MAP (Multifamily Accelerated Processing) program. AGM is also an approved Lender for FHA’s Low Income Housing Tax Credit Pilot Program
  • PSG Lending
  • 400 W. Franklin St., Suite 300, Baltimore, MD, 21201
  • PSG Lending was established in 2015 by an experienced team of mortgage banking professionals. With a focus on commercial bridge loan opportunities between $150,000 and $10,000,000, PSG Lending is a direct lender and capital partner. Our approach to lending is to build long term relationships by providing a transparent, reliable and swift process to
  • Annapolis First Mortgage, LLC
  • 1605 Race Street, Baltimore, MD, 21230
  • We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending
  • Post Office Credit Union of Maryland Inc
  • 900 East Fayette Street, Suite 606, Baltimore, MD, 21233
  • The Credit Union's original charter was filed in 1929, and its purpose remains the same today: a financial cooperative, organized solely for the promotion of thrift among its members by the accumulation of their savings in small amounts and the lending of such accumulations to its members for provident and productive purposes.
  • MECU Credit Union
  • 1 South Street, Baltimore, MD, 21202
  • Our local Baltimore roots go back to 1936. From our humble beginnings to today, we have always put working families and their financial well-being at the center of everything we do. With better rates, free financial education and personal service, we are committed to improving the lives of our members and the communities we serve.
  • M&T Realty Capital Corporation
  • One Light Street, 12th Floor, Baltimore, MD, 21202
  • M&T Bank is a multi-state community-focused bank serving New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and Washington, D.C. Founded in 1856, the company provides banking, investment, insurance and mortgage financial services to more than 3.6 million consumer, business and government clients.
  • Keavy Group LLC
  • 15176 91st Terrace N, Jupiter, FL, 33478
  • Full Service Real Estate Brokerage & Mortgage Business. We help you buy & sell businesses. Buy and Sell Commercial & Residential Real Estate. On the Real Estate / Business side: A Realtor and Broker we've secured transactions- tiny to multi Million. We know numbers, because of our financing side. We find diamonds in the rough.
  • Loyalty Home Loans Inc
  • 9069 South East Bridge Road, Suite B, Hobe Sound, FL, 33455
  • As a brokerage, we are able to secure the financing that will often "beat the bank" and with a much more personal and streamline process. We are proud to be your loyal partner in home financing. The best thing I can do in life is to make other people happy in anyway possible. Loyalty Home Loans Established in 2015.
  • The First National Bank of Groton
  • 161 Main Street, Groton, NY, 13073
  • The First National Bank of Groton has been proudly serving the area communities for over 150 years. The Bank is customer driven. Its very existence is based on customers finding value in the products and services being offered. The Bank prides itself on offering a superior level of personalized customer service.
  • Central Credit Union of Maryland
  • 8501 LaSalle Rd, Baltimore, MD, 21286
  • We're small enough to know you but big enough to put 24/7 banking in the palm of your hand. From better rates to lower fees, we give you greater control over your future. Whatever an amazing life looks like for you, we’re here to help you get there! It’s easy to add us as a partner in your financial future!
  • First Columbia Bank & Trust Co.
  • 232 East Street, Bloomsburg, PA, 17815
  • First Columbia Bank & Trust Co. has been Columbia County’s community bank for nearly 120 years. With more than $709.5 million in assets as of December 31, 2017, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia and Montour Counties and the surrounding area.
  • Johns Hopkins Federal Credit Union
  • 2027 E Monument Street, Baltimore, MD, 21205
  • Johns Hopkins Federal Credit Union was founded by a small group of Johns Hopkins University employees in 1971. As a credit union, our charter allows us to serve various groups. In our case, we have stuck to our roots, expanding to serve other Johns Hopkins and related entities. We truly are built by and for the Hopkins community.