As of 2026, the USDA loan cap in San-Diego, situated in San Diego county, CA, stands at $615,000. Meanwhile, the FHA loan limit for a single-family home is set at $753,250.
Utilize the Lendersa® USDA loan calculator to evaluate today's most competitive USDA versus FHA rates, and to establish the income, credit score, financial reserves, and documentation needed for qualification. Our sophisticated mortgage calculator enables you to compare USDA, FHA, Conforming, and VA loans side by side, aiding in your decision for the most suitable program available in for your unique financial situation.
Discover 2026 loan limits and down payment requirements in San-Diego, within San Diego county, CA
Loan Type
Loan Cap
Initial Payment
USDA
$615,000
0%
FHA
$753,250
3.5%
Conforming Conventional
$753,250
3%
Choosing Between USDA and FHA Loans in San-Diego, CA
At Lendersa®, our goal is to provide you with the most advantageous USDA or FHA loan swiftly and with minimal inconvenience. Choose from three pathways that lead to matching you with USDA loan lenders and programs.
A USDA home loan is government-backed by the Department of Agriculture, often termed the USDA rural development loan, or USDA mortgage, exclusively for rural areas. Compared to FHA loans with a 3.5% down payment requirement, USDA loans require no down payment whatsoever.
Reverse Mortgage Lending is committed to helping individuals and families obtain financial freedom. A reverse mortgage allows seniors to convert the equity in their home into cash. By putting your equity to work you can help fund retirement, pay for medical bills or provide financial security for unexpected life events.
We are a full-service mortgage company based in San Diego, CA. We specialize in Conventional, High Balance Loans, VA purchase and streamline loans, Jumbo. and FHA and USDA lending anywhere in the State of California. Whether you are buying a home or refinancing anywhere in California, we can help you realize your dream of home ownership
4603 Mission Boulevard, Suite 219, San Diego, CA, 92109
Lends in California
Parkview Investment & Loan Inc was founded in 2006 by Mathieu Pollenz. Parkview Investment & Loan is a full service mortgage and realty service company. We work with Residential and Commercial properties. Our mortgage department is determined to provide our clients the best rates with unparalleled service.
Cal Coast Funding mortgage lender located in sunny San Diego, Ca. We pride ourselves on offering competitive rates and outstanding service. We make the loan process simple, straightforward, and fast for all types of borrowers. Whether you are purchasing your dream home or looking to refinance an existing loan our highly experienced teaM.
1660 Chalcedony Street, Unit H, San Diego, CA, 92109
Lends in California
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
We are an award-winning mortgage company with over 50 years of combined experience. We keep our costs low which allows us to pass those savings to our borrowers with competitive rates! We specialize in jumbo lending and loans to first-time home-buyers Call us today and put us to work for you!
SD Realty has been successfully helping clients with their Real Estate and Mortgage needs since 2007. Whatever your goals are, we are here to help — providing the highest level of personalized services to create a unique and exemplary experience for all clients.A real estate transaction is a multi-faceted process with many moving parts.
Louie Loans, Inc. is a private money lender in Southern California. Unlike banks, we are not restricted to stringent underwriting guidelines and approval requirements. qualified developers and borrowers with quick acquisition financing for non-owner occupied property and also private investors with real estate secured investment.
Our Private Hard Money loans typically take 5-10 days and are based on equity in the property, not your credit score. We do require strong collateral (the property you're borrowing against), however we can often cross-collateralize a second property of yours to meet equity requirements. Our loans are for business purposes only
Private Hard Money Loans provide fast, equity based hard money funding for loans on residential property as well as commercial loans and land loans, regardless of credit score. For private loans, hard money loans, and bridge loans in California please call us or apply online with our 2 minute quick online application.
