USDA VS FHA in Poway, San Diego County, CA

In 2025, the USDA loan limit for Poway in San Diego county, CA, is $703,800. Meanwhile, the FHA limit for a single-family home is $977,500.

With the Lendersa® USDA loan calculator, you can compare today's top USDA and FHA rates. It helps determine the essential income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, enabling you to identify which program is optimal for your financial circumstances, particularly in .

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2025 Loan Limits and Downpayment Requirements in Poway, San Diego, CA

Loan Type Loan Limit Down Payment
USDA $703,800 0%
FHA $977,500 3.5%
Conventional Conforming $977,500 3%

Exploring USDA and FHA Loan Options in Poway, CA

The primary goal of Lendersa® is to secure you the best USDA or FHA loan quickly and without difficulty. Begin your search by choosing one of three starting points that connect you with suitable lenders and USDA loan programs.

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What is a USDA Loan in CA?

A USDA home loan is a financing option backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. This type of loan is designed for rural neighborhoods only. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not require any down payment, making them an attractive option for eligible borrowers.

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



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