In 2025, 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
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| Loan Type | Maximum Loan | Down Payment Percentage |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
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.
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?
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