USDA Vs. FHA Pro and Con comparison in Signal-Hill, Los Angeles County, CA

In 2025, USDA loan limit in Signal-Hill, 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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2025 loan limits and downpayment requirments in Signal-Hill, 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 Signal-Hill, 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?



  • Real Estate Unlimited
  • 3210 Santa Maria Way, Suite 170, Santa Maria, CA, 93455
  • Alonso Curiel As an agent who's an expert in this local area, He bring a wealth of knowledge & expertise about buying & selling real estate here. It's not the same everywhere, so you need someone you can trust for up-to-date information. Alonso eager is to serve you. Here are some of the things he can do for you: Find Your Next Home, Sell a Home.
  • J7 Mortgage
  • 340 E Clark Ave, Orcutt, CA, 93455
  • J7 came to the Central Coast with Ryan Jensen in 2020. Ryan was brought up by the founder of Utah Mortgage Loan Corporation - the oldest non-bank mortgage lender in the state of Utah - to expand the offering the full array of mortgage products available in the California's Central Coast marketplace today.
  • Bardi & Associates Real Estate
  • 400 East Clark Avenue, Suite D, Orcutt, CA, 93455
  • Bardi & Associates Real Estate is not an ordinary Brokerage. It is a Real Estate Boutique Certified in Luxury Home Sales, as well as residential, investment, commercial and business opportunities. Jolyn and Blake have created a brand that is top notch in professionalism. Bardi & Associates Real Estate handles each client.
  • Pinnacle Lending
  • 946 Diamond Dr, Santa Maria, CA, 93455
  • Pinnacle Lending and its staff of experienced and professional loan officers want you to know that we are committed to the highest levels of integrity and service to our clients, realtors and associates. It is our goal to provide our clients with the opportunity to secure the best loan at the best price for their particular needs.
  • Murphy Home Loans, Inc
  • 2540 Professional Pkwy, Santa Maria, CA, 93455
  • Murphy Home Loans Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you.
  • CoastHills Credit Union
  • PO Box 8000, Santa Maria, CA, 93456
  • CoastHills currently serves more than 70, 000 members in Northern Santa Barbara County and San Luis Obispo County with 11 branches and a full-service local call center. With assets of more than $1.3 billion, CoastHills is the second largest independently owned financial institution on the Central Coast.
  • EquityReach Mortgage Solutions
  • 567 Camino Mercado, Suite C, Arroyo Grande, CA, 93420
  • Founded in 1990, EquityReach Mortgage Solutions is a full-service mortgage banking company offering an extensive selection of Conventional, Government, Bond Programs, Jumbo and Reverse Mortgage real estate loans. EquityReach Mortgage Solutions is a division of Golden Empire Mortgage, Inc, one of the most successful.
  • ZS Mortgage Group
  • 556 Camino Mercado, Suite C, Arroyo Grande, CA, 93420
  • ZS Mortgage Group is one of the top lending teams in the country. We are dedicated to providing our clients Next-Level service and a holistic approach to the mortgage process. We are team of top-notch professionals who provide a level of service beyond the typical mortgage experience.
  • Assist Home Loans
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  • At Assist Home Loans, a premier mortgage brokerage providing customers with direct access to the nation’s best lenders. We’ll leverage decades of experience to help you navigate the home loan process and use our expertise to find the perfect lender with the best loan for your unique situation.