During 2025, the USDA loan maximum in Santa-Monica, within Los Angeles county, CA is $657,900, while the FHA cap for a single-family home is $822,375.
Leverage the Lendersa® USDA loan calculator to compare the leading USDA and FHA rates available today. Evaluate the income, credit, reserves, and documentation necessary to qualify. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA loan options side-by-side, helping you decide on the ideal program for your financial needs in
Compare offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
Lendersa®'s mission is to secure the best USDA or FHA loan for you quickly and with ease. Choose one of three starting paths that align with lenders and USDA loan programs.
A USDA home loan, guaranteed by the government Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is available exclusively in rural neighborhoods. Unlike FHA loans requiring a 3.5% minimum down payment, USDA mortgages require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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