USDA and FHA Pro and Con in Santa-Monica, Los Angeles County, CA

In 2024, USDA loan limit in Santa-Monica, county of Los Angeles, CA is $657,900 while FHA limit is $822,375 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 Santa-Monica, county of Los Angeles, CA

Loan Type Loan Limit Down payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA loan options in Santa-Monica, 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?



  • Donald Anfuso
  • 290 Vincent Ave, 3rd Floor, Hackensack, NJ, 07601
  • Don Anfuso, a licensed mortgage expert with 20 years of experience in New Jersey. I specialize in providing fast and accurate pre-approval letters for serious buyers, without putting a ding on your credit. Call today and get honest answers without any obligation and don mortgage company as a high school student about 25 years ago.
  • PRIME RESOURCE CAPITAL
  • 90 Main St, Suite 309, Hackensack, NJ, 07601
  • Prime Resource Capital, we take a “can do” attitude. We help find solutions. Our clients rely on our expertise to match our products to the specific need of the client. Our advisors are experienced professionals who understand that capital is a key ingredient to growth in any industry.
  • HOMELAND LENDING LLC
  • 290 Vincent Ave, 3rd Floor, Hackensack, NJ, 07601
  • At Homeland Lending we provide the most consistent, attentive, and personalized mortgage solutions to help you secure your dream home. Homeland Lending may collect and use Users personal information for the following purposes: To improve customer service Information you provide helps us respond to your customer service requests
  • Silver Arch Capital Partners
  • 411 Hackensack Avenue, Suite 803, Hackensack, NJ, 07601
  • Silver Arch Capital Partners is a Private Lender specializing in Bridge and Hard Money Loans secured by Commercial Real Estate. Silver Arch is committed to providing the quickest responses and timely closings across all the major property classes. Our partners share decades of experience in direct real estate lending.
  • HFS Federal Credit Union
  • 632 Kinoole Street, Hilo, HI, 96720
  • Our Credit Union started with very humble beginnings; a group of nine individuals came together to meet one simple need: making credit available to those with small means. Over eighty years later, HFS still holds onto its same sense of 'ohana with a deep desire to help those in our community to succeed and grow.
  • Hawaii County Employees Federal Credit Union
  • 131 Puuhonu Way, Hilo, HI, 96720
  • Hawaii County Employees Federal Credit Union is a cooperative financial institution comprised of people sharing a common bond, i.e. employees of Hawaii County and their families. We are a client-driven local enterprise whose goal is to provide a safe place for our members to save while earning a better return.
  • CU Hawaii Federal Credit Union
  • 476 Hinano Street, Hilo, HI, 96720
  • CU Hawaii, a federal credit union serving Hawai`i Island. We’re passionate about seeing our members succeed. The spirit of Hawai`i Island is the spirit of possibility. We see the potential in people, businesses and the community and get involved to help turn those possibilities into realities.
  • Big Island Federal Credit Union
  • 66 Lono Street, Hilo, HI, 96720
  • In 1936, a group of teachers formed the Big Island Teachers Federal Credit Union. It was the first chartered credit union in the State of Hawaii. In January of 1973, our name was changed to the Big Island Educational Employees Federal Credit Union. Later that year, the word “Employees” was eliminated
  • Family Mortgage Company of Hawaii, Inc.: Donna Dodd
  • 762 Kanoelehua Ave, Suite C, Hilo, HI, 96720
  • Family Mortgage Purchasing or refinancing a house can be a huge undertaking. You can rely on us to lead you to the loan program that's perfect for you. Our team can help you with a myriade of specialty loan programs including Conventional, 100% USDA financing, VA Loans and FHA programs. For assistance in finding the perfect loan program for you
  • Island Home Loans
  • 688 Kinoole Street, Suite 209, Hilo, HI, 96720
  • Local, family-owned mortgage broker company located in Hilo, Hawaii with over 75 years of combined experience. Open since 2003, Island Home Loans has been chosen as 'Best of East Hawaii'​ Mortgage Company six years and running! Come and see us or give us a call to see what we can do to assist you or your family to purchase or refinance a home.
  • Finance Integrity Home Loans
  • 17 Furneaux Ln, Suite 201, Hilo, HI, 96720
  • At Finance Integrity in Hilo is to serve our East Hawaii customers with honesty, integrity and competence. Our only goal is to provide home loans and mortages to Big Island clients while providing them with the lowest interest rates and closing costs possible. We pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Karen Kline Home Loans, LLC
  • 586 Kanoelehua Avenue, Suite 101, Hilo, HI, 96720
  • Karen Kline Home Loans is committed to finding you the right mortgage product for your needs. I understand that every borrower is different, and I offer a variety of products to meet your individual requirements. I make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you.