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

For 2025, the USDA loan limit in Solana-Beach, San Diego county, CA is $615,000, and the FHA cap is $753,250 for single-family homes.

Check out the Lendersa® USDA loan calculator for comparing the best USDA and FHA rates available today, and learn about the income, credit, reserves, and documents required for qualification. Our comprehensive mortgage calculator lets you evaluate USDA, FHA, Conforming, and VA programs side by side to determine the best fit for your financial needs in .

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2025 Loan Limits and Down Payments in Solana-Beach, San Diego, CA

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

Explore USDA and FHA Loans in Solana-Beach, CA

Lendersa® aims to quickly secure hassle-free USDA or FHA loans for you. Choose from three paths to connect with matching lenders and USDA loan programs.

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Understanding USDA Loans in CA

The USDA home loan is guaranteed by the U.S. Department of Agriculture and applicable solely in rural areas. Unlike FHA mortgages, which require at least a 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?



  • Consumer Mortgage & Investment
  • 468 Investors Pl, Suite 102, Virginia Beach, VA, 23452
  • Consumer Mortgage & Investment Corp. We have been serving the needs of homeowners for mortgages in Virginia since 1982. Buying a home is an exciting time and, once you have found your perfect home, you'll need to look for mortgage companies. We can help you find the perfect mortgage for your new home from one of our loan programs.
  • VA Choice Home Mortgage Inc.
  • 580 Lynnhaven Parkway, Suite 103, Virginia Beach, VA, 23452
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Ingrid Laine, Senior Loan Officer
  • 780 Lynnhaven Parkway, Suite 400, Virginia Beach, VA, 23452
  • At Sun West Mortgage Company, Inc. (Sun West), we dedicate ourselves to offering the best service to our customers. To accomplish this, we empower our loan officers so that they can find great rates and provide the best fitting loan options to each customer – at amazing speeds. Our focus on technology has given us an edge in the mortgage industry
  • Atlantic Mortgage and Funding, Inc.
  • 780 Lynnhaven Parkway, Suite 160, Virginia Beach, VA, 23452
  • At Atlantic Mortgage and Funding, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Presence Bank
  • 185 East Lincoln Highway, Coatesville, PA, 19320
  • Founded in 1919, Presence Bank is a state-chartered FDIC bank that provides the most up-to-date financial products and services accessible online or in person. We offer deposit and loan accounts for every stage of life, so individuals and families can count on building a relationship at a bank they can trust for years to come.
  • Christine D Burnett
  • 1935 Strasburg Road, Coatesville, PA, 19320
  • I’m Christine. I am a Pa. mortgage broker located in beautiful Chester County. With over 30 years of experience in the industry, I offer productive and personalized solutions for your unique mortgage needs. I offer some extremely competitive rates and certain programs that you won’t find at your local bank.
  • Advantage Mortgage Group
  • 140 Cedar Knoll Rd, Coatesville, PA, 19320
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Fleetwood Bank
  • 2 W Main St, Fleetwood, PA, 19522
  • Fleetwood Bank is the only locally-owned, community bank in the Greater Reading and Berks County area, and has eight offices located in Blandon, Boyertown, Fleetwood, Kutztown, Lyons, Oley, Shoemakersville and Wyomissing. We’re committed to maintaining a hometown atmosphere in each of our offices and to being active in our communities.
  • VAntage Trust Federal Credit Union
  • 247 Wilkes Barre Township Boulevard, Wilkes Barre, PA, 18702
  • VAntage Trust Federal Credit Union has been serving its members since 1948 when it was founded by the employees of the VA Medical Center, Wilkes-Barre, Pennsylvania. We now serve over 8, 000 members. Our membership also includes members from 70 active Select Employee Groups (SEG). We are chartered by the federal government.
  • Cross Valley Federal Credit Union
  • 640 Baltimore Drive, Wilkes Barre, PA, 18702
  • Cross Valley FCU was chartered by the National Credit Union Association in February 1969.Originally chartered as the Wilkes-Barre Federal Employees Federal Credit Union, its sponsor was the Data Operations Center of Social Security in Wilkes-Barre. Subsequent expansion of the Federal Charter was approved by NCUA to include Select Employee Groups.
  • Choice One Community Credit Union
  • 501 E Main Street, Wilkes Barre, PA, 18702
  • Choice One Community Credit Union is a member-owned and operated, not-for-profit financial cooperative, chartered under federal law. We strive to provide outstanding financial products, exceptional personal service and to always maintain the safety and soundness of members’ funds.