USDA VS FHA in Seaside, Monterey County, CA

As of 2025, the USDA loan limit for Seaside in Monterey County, CA, is $683,500, whereas for a single-family home, the FHA limit stands at $915,400.

Use the Lendersa® USDA loan calculator to assess today’s USDA and FHA top rates. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced calculator compares USDA, FHA, Conforming, and VA loans side by side to help you decide which program in suits your personal financial needs best.

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Loan Limits and Down Payment Requirements in Seaside, Monterey County, CA for 2025

Loan Type Loan Limit Down Payment
USDA $683,500 0%
FHA $915,400 3.5%
Conventional Conforming $915,400 3%

Exploring USDA and FHA Loan Options in Seaside, CA

Lendersa® strives to connect you with the best USDA or FHA loan quickly and hassle-free. Choose one of three starting points to find matching lenders and appropriate USDA loan options.

Lendersa USDA Loan Request and Matching Results

What is a USDA Loan in CA?

The USDA home loan, endorsed by the U.S. Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA loans demand no down payment at all.

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



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