USDA VS FHA in Rancho-San-Diego, San Diego County, CA

In 2024, USDA loan limit in Rancho-San-Diego, county of San Diego, CA is $615,000 while FHA limit is $753,250 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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2024 loan limits and downpayment requirments in Rancho-San-Diego, county of San Diego, CA

Loan Type Loan Limit Down payment
USDA $615,000 0%
FHA $753,250 3.5%
Conventional Conforming $753,250 3%

USDA and FHA loan options in Rancho-San-Diego, 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?



  • Ohana Mortgage
  • 91-1011 Holunape Street, Kapolei, HI, 96707
  • Ohana Mortgage Solutions was started with the hope of enabling local families to become homeowners. Additionally, we wanted to embody the values of aloha and ʻohana in our business. That’s why we take some of the profits from every loan and partner directly with programs helping Hawaii’s children in the foster care system.
  • Highfive Lending
  • 2176 Lauwiliwili Street, Suite 1, Kapolei, HI, 96707
  • Living in Hawaii has a very high cost. That’s why High Five Lending wants to help you get the best loan possible for your home. We have the experience and expertise to get you affordable rates at the right place. Life is already complicated, From empty nest moving to military moves.
  • Cornerstone Equity Group Inc
  • 91-110 Hanua Street, Suite 206, Kapolei, HI, 96707
  • Cornerstone Mortgage opened at the start of the mortgage meltdown in 2008 which spurred the worst economic crisis in at least a generation. We started as a one person branch office of a local lender and we have grown to be one of the top producing mortgage bankers in our area. Today we have offices in California, Hawaii and Nevada.
  • Mann Mortgage LLC
  • 2149 Lauwiliwili Street, Suite 200, Honolulu, HI, 96707
  • Mann Mortgage is a family-owned mortgage bank that emphasizes community relationships, honesty, and integrity. Since our founding in 1989 by Don Mann, that proven dedication and trust has given our branches the resources needed to help qualified borrowers in their communities fulfill the dream of home ownership
  • KSW Federal Credit Union
  • 222 College Avenue, Waterville, ME, 04901
  • The 1950s were lean years in Maine. Seeing potentially no means of a savings plan within daily work boundaries, realizing finance companies were charging such high-interest rates, and knowing that Credit Unions were paying more on shares, the team of Gus Fortin, Henry Moses, and William Lynch approached Mr. Parsons of the Keyes Fibre Company.
  • New Dimensions Federal Credit Union
  • 94 Silver Street, Waterville, ME, 04901
  • New Dimensions FCU began in 1956 and was known then as Notre Dame Waterville Federal Credit Union. Our mission was simple – to provide excellent financial services to members of Notre Dame Church in Waterville. Our charter was comprised of members of the parish of Notre Dame Church and on August 27, 1956.
  • The First National Bank
  • 223 Main Street, Damariscotta, ME, 04543
  • First National Bank is a genuine Maine community bank deeply committed to serving individuals, families, and businesses throughout our region. We're proud of our unique culture of respect, intended to make all our customers feel valued. Operating in seventeen branch offices from Wiscasset to Calais we go all out to find ways to meet your needs
  • Sebasticook Valley Federal Credit Union of Maine
  • 505 Somerset Avenue, Pittsfield, ME, 04967
  • Our Mission is To support our local community with valuable services, in a friendly atmosphere, with caring employees who are committed to upholding the credit union philosophy. Sebasticook Valley Federal Credit Union is Not for profit, not for charity, but for service. SVFCU expanded their field of membership to include all of Penobscot, Somerset.
  • Rockland Savings Bank
  • 582 Main Street, Rockland, ME, 04572
  • Rockland Savings Bank creates unmatched customer loyalty, builds lasting relationships and embraces innovation to meet our customers financial goals all while professionally delivering friendly, personal service. We believe the strength of our community comes from the strength of its members.
  • Maine Harvest Federal Credit Union
  • 69 School Street, Unity, ME, 04988
  • Our mission is to provide financing for small Maine farms and food producers and to do so with deposits from people & institutions that share our values. We’ve been working on it since 2011; & in 2019, Maine Harvest Federal credit Union received its Federal Charter. Maine Harvest Federal Credit Union works exclusively with Maine's farmers, brewers.
  • Maine Highlands Federal Credit Union
  • 73 Main Street, Dexter, ME, 04930
  • Maine Highlands Federal Credit Union is a proactive, member-owned cooperative whose purpose is to provide personal service & shared value, while maintaining its financial stability & integrity. Serving all of Piscataquis, Penobscot & Somerset counties, MHFCU is proud to offer members a variety of quality banking services.