USDA Vs. FHA Pro and Con comparison in San-Marcos, San Diego County, CA

As of 2026, the USDA loan maximum in San-Marcos, located in the county of San Diego, CA, is $615,000. In comparison, the FHA cap for a single-family home is $753,250.

Utilize the Lendersa® USDA loan calculator to explore today's best USDA versus FHA rates. It helps assess the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding in the selection of the best program in for your specific financial situation.

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2026 Loan Limits and Down Payment Requirements in San-Marcos, San Diego, CA

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

Options for USDA and FHA Loans in San-Marcos, CA

Lendersa® aims to quickly find you the best USDA or FHA loan available. Choose one of three starting options to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in CA?

The USDA home loan, endorsed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans that demand a minimum 3.5% down payment, USDA mortgages require none.

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



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