USDA Vs. FHA your options comparison in Solana-Beach, San Diego County, CA

In 2025, USDA loan limit in Solana-Beach, county of San Diego, CA is $615,000 while FHA limit is $753,250 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Solana-Beach, county of San Diego, CA

Loan Type Loan Limit Down payment
USDA $615,000 0%
FHA $753,250 3.5%
Conventional Conforming $753,250 3%

USDA and FHA loan options in Solana-Beach, 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?



  • Serenity Home Loans
  • 3875 Bohannon Dr, Suite 2520, Menlo Park, CA, 94026
  • Serenity Home loans was founded with the sole mission of helping manufactured home buyers find the best available financing for purchasing a manufactured home. We focus on the MH segment of financing only, so we’ve become one of the nation’s premier experts in the field. With limited lender options.
  • Oportun
  • PO Box 4085, Menlo Park, CA, 94026
  • Since we opened our doors in 2005, we have worked hard every day to serve the approximately 100 million people in the USA who are typically shut out of the financial mainstream because they don’t have a credit score or have limited credit history.Our mission-based, technology-powered approach is designed to be inclusive, affordable & empowering.
  • 60monthloans, Inc.
  • 640 Menlo Ave, Suite 10, Menlo Park, CA, 94025
  • 60monthloans, Inc. Get ready to take controll of your finances with one of our low-rate personal loans. At 60MonthLoans we believe that what's most important is that everyone have access to financing options that will suit both their financial needs and their current lifestyle. The personal loans we provide in many states are flexible.
  • Loanlane
  • 535 Middlefield Road, Suite 190, Menlo Park, CA, 94025
  • Loanlane Residential Mortgage is a mortgage brokerage located in the town of Menlo Park, which is in the San Francisco Bay Area.Loanlane is owned & operated by Mark Leaver (Facebook link) & has been serving California homeowners & homebuyers for more than 35 years. Mark is a Federally licensed loan originator & a state licensed real estate broker.
  • Vale Capital
  • 770 Menlo Avenue, Suite 201, Menlo Park, CA, 94025
  • Vale Capital is an Affiliate of OneSource by PCS, an online lending and investor services platform backed by the financial strength of more than 300 private investors. The Principals, Affiliates and Advisory Board Members of Vale and OneSource consist of highly experienced real estate professionals with long and successful track records in lending.
  • Cal State Realty & Mortgage
  • 4682 Macbeth Avenue, Fremont, CA, 94555
  • I serve Northern California, from Sacramento down to the Bay Area to the Central Valley. I work with my clients in their real estate investment starting with buying or selling (residential and commercial), marketing our office listings through various strategies/media tools, financial mortgages and much more.
  • UNCLE Credit Union
  • 2100 Las Positas Court, Livermore, CA, 94551
  • UNCLE Credit Union is a $625 million, full service financial institution. We’re known for our community involvement and for offering exceptional and friendly service. And unlike banks who must answer to their stockholders, we’re a not-for-profit cooperative organized by our members, for our members
  • OE Federal Credit Union
  • 250 N Canyons Pkwy, Livermore, CA, 94551
  • OE Federal Credit Union is the Credit Union for dirty hands, muddy boots, and hard hat hair. We were founded in 1964 by union workers for union workers and their families. We know what you're thinking. You hear the words ""Credit Union""​ and think small or limited. But OE Federal is the largest labor based credit union in the country.
  • John Hinrichs
  • 397 Hummingbird Ln, Livermore, CA, 94551
  • John Hinrichs heads a real estate financial services consultant team that provides unparalleled service and performance. His team is committed to providing unbiased advice and prudent strategies for every aspect of real estate home ownership, financing and investing. His team provides home loans on single family residences.
  • Extreme Mortgage Lending
  • 365 North Canyons Parkway, Suite 220, Livermore, CA, 94551
  • At Extreme Mortgage we are committed to getting you the most affordable financing for your home. We offer a variety of mortgage loan programs. We offer residential loans up to $4.5 million on first mortgages for 1-4 family homes, co-ops, condos, second or vacation homes, or mortgages for investment purposes.
  • Select Financial
  • 457 North L Street, Livermore, CA, 94551
  • SelectRealtors-SelectFinancial helps you in assessing your loan eligibility, work out a financial game plan in your buying process, and assist you to get pre-approved to be competitive in the market place Ben Magalang is a Mortage Broker Buying a home can be a very exciting adventure. Before you begin evaluating your housing options.