USDA Vs. FHA your options comparison in Santa-Monica, Los Angeles County, CA

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 .

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2025 Loan Limits and Down Payment Requirements in Santa-Monica, Los Angeles, CA

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

Explore USDA and FHA Loan Options in Santa-Monica, CA

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.

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Understanding USDA Loans in CA

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?



  • Efinity Mortgage
  • 1901 Central Drive, Suite 612, Bedford, TX, 76021
  • The Efinity Group family is focused on Changing The Way Consumers view Financial Services. As a privately held firm, our staff is not beholden to sell or push a single line of products. Whether seeking home or auto insurance, seeking financial planning or needing to finance a home,
  • Marion State Bank Texas
  • 301 West San Antonio Street, Marion, TX, 78124
  • Marion State Bank was granted a charter from the state on October 26, 1906, making it the 134th state chartered bank in TX. Marion State Bank is the seventh-oldest bank in TX that is still operating under its charter. When the bank was founded, it was housed in the rear portion of the first floor of the H. D. Dreyer Building, known as Waldorf Club.
  • USA Lending Group, Inc
  • 1200 Barton Creek Blvd, Unit 64, Austin, TX, 78735
  • We are a technology-driven company and offer a level of customer service second to none. “Low Rates, Low Fees, and Fast Closings, ” is our motto and describes why Texas residents choose USA Lending Group for their Texas Home Loans. With an array of Texas home loan programs to choose from,
  • Kellibrooke Mortgage Partners, LLC
  • 4201 Sun Spirit Dr, Austin, TX, 78735
  • We are a boutique mortgage brokerage serving friends and family who desire guidance by a trusted professional. We are one voice for you in the craziness of internet spammers and information overload. Kellibrooke Mortgage Partners, LLC, is a family owned mortgage brokerage founded by Leighann Laviolette.
  • Bentley & Leenher Mortgage Consulting, LLC
  • 5307 Highway 290 West, Building B, Suite 5, Austin, TX, 78735
  • We know that each customer has specific needs, and here at Bentley & Leenher Mortgage Consulting, we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you are looking for. With a variety of loan programs
  • Waterloo Lending Company
  • 5506 West Highway 290, Suite 300, Austin, TX, 78735
  • Waterloo Lending is about creating opportunities for people to take advantage of the best loan products in the industry. In today’s booming housing market, Jason knows it’s more important than ever to have a knowledgeable, communicative, professional lender who will take the time to understand your unique dreams you to seize your perfect.
  • 56 Home Loans
  • 4707 Trail Crest, Austin, TX, 78735
  • "56 Home Loans As a mortgage broker, we’re different. We monitor the pricing, loan programs and service levels of over 40 wholesale mortgage lenders to help place our clients with a more competitive mortgage. An expert review of your current financial situation and personal goals. Customized loan options to meet your goals and save you money."
  • COUNSELORS MORTGAGE CORP
  • 5500 Travis Green Lane, Austin, TX, 78735
  • Counselors Mortgage Corporation is a residential mortgage lender founded We provide residential mortgage solutions for homeowners, home-buyers and their realtors. We offer a full range of loan products including conventional, FHA, VA and USDA loans, at competitive interest rates.
  • Texas Trust Credit Union
  • 5850 W Interstate 20, Suite 200, Arlington, TX, 76017
  • Our commitment to service has earned us multiple awards in every community we call home. Employees at Texas Trust have also volunteer over 3, 200 hours a year helping us spread the Texas Trust story and showing our commitment to our community. Because of our employees, Texas Trust was voted as one of the Top 100 Places to Work.
  • DFW Hard Money
  • 6001 W I-20 Frontage Rd, Suite 200, Arlington, TX, 76017
  • DFW Hard Money is a unique hard money lender in the Texas, Oklahoma, Colorado, Missouri, Kansas, and Georgia markets. The founders come from a successful background in rental portfolio ownership, the fix-and-flip space, wholesale shops, and real estate brokerage. Streamlining the process, DFW Hard Money operates with a close team of professionals.
  • Forty Acres Lending, LLC
  • 13809 Research Boulevard, Suite 500, Austin, TX, 78750
  • Forty Acres Lending. We are a full-service mortgage company based in Austin, Texas. We specialize residential lending and offer a full array of products to serve all including First Time Home Buyers, FHA, Veterans, Jumbo, Conventional Mortgages, Rental Properties, No Incone Verification Loans, Fix-n-Flip and New Construction.
  • Texas Mortgage Consultants, PLLC
  • 8805 Lemens Spice Trail, Austin, TX, 78750
  • Russell Stout is the Broker for Texas Mortgage Consultants, PLLC. Since 2002 he has been originating Texas mortgages for the greater Austin area and beyond. During his career, Russell has worked as a Branch Manager, Sales Manager, VP of Operations, and owned his own mortgage company.