USDA and FHA Pro and Con in South-Monrovia-Island, Los Angeles County, CA

For the year 2026, the USDA loan ceiling in South-Monrovia-Island, situated in the county of Los Angeles in CA, is $657,900, whereas for a single-family residence, the FHA limit is $822,375.

Utilize the Lendersa® USDA loan calculator to contrast current USDA and FHA rates. This tool helps you determine the necessary income, credit, reserves, and documentation for qualifying. Our advanced mortgage calculator offers side-by-side comparisons of USDA, FHA, Conforming, and VA options to identify the best fit for your distinct financial circumstances in .

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2026 Loan Limits and Down Payment Needs in South-Monrovia-Island, Los Angeles, CA

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

Exploring USDA and FHA Loan Choices in South-Monrovia-Island, CA

Lendersa® aims to quickly secure the best USDA or FHA loan options for you, devoid of complications. Choose from one of three pathways to find matching lenders and USDA loan offerings.

Lendersa USDA loan matching results

Understanding USDA Loans in CA

The USDA home loan, backed by the U.S. Department of Agriculture, is available as a USDA rural development loan or mortgage solely in rural areas. It contrasts with FHA loans, which require a minimum of 3.5% down payment, as the USDA loan requires none.

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



  • 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.

  • John E Young Mortgage LLC
  • 1550 Hwy 315, Suite 102, Wilkes Barre, PA, 18702
  • John E Young has been in the Mortgage Industry for 18 years and Licensed by PA Department of Banking for the past 15 years. In less than 3 years as a Mortgage Originator, he was able to open his own Mortgage Company, and over 85% of his company’s business comes from referrals.John has helped many clients fix and analyze their credit reports.

  • Credit Union 1
  • 1941 Abbott Rd, Anchorage, AK, 99507
  • In 1952, Credit Union 1 began as a small Anchorage teachers' credit union. Since then, we've grown to serve over 93, 000 members from Ketchikan to Nome. Together, we represent a large and diverse membership base that extends to anyone who lives or works in the great state of Alaska.

  • ALASKA USA MORTGAGE COMPANY, LLC
  • 8475 Hartzell Rd, Suite 110, Anchorage, AK, 99507
  • Alaska USA Mortgage Company has a wide variety of loan products that will fit your needs, and the right professionals to advise you every step of the way. If you see anything you think might be the right fit for you, or if you have any questions about the option available to you, don’t hesitate talk to one of our mortgage loan specialists.

  • Hertford Savings Bank, SSB
  • 121 N Church St., Hertford, NC, 27944
  • Since 1923, Hertford Savings Bank, SSB has been serving the financial needs for the counties of Perquimans, Chowan, Pasquotank and Gates. We provide the personalized attention that our customers deserve. The bank’s decisions are made locally and we strive to develop strong relationships with our customers and local community.

  • United Financial Insurance Group, LLC.
  • 2061 W. La Plume Rd, La Plume, PA, 18440
  • United Financial Insurance Group, LLC. is a national real estate capital services company and an originator of commercial real estate debt and equity transactions. We combine in-depth market expertise, passion for our work, and a willingness to break new ground to provide our clients with the ultimate customer experience.

  • 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.

  • Cecil County School Employees' Federal Credit Union
  • 203 Booth Street, Elkton, MD, 21921
  • In 1953, many Cecil County school teachers were struggling financially. This was especially true for new hires, since they did not receive their first checks until after a month of teaching. Cecil County School Employees’ Federal Credit Union was formed as a way for them to borrow money for rent and other necessities.

  • Thiokol Elkton Federal Credit Union
  • 55 Thiokol Road, Elkton, MD, 21921
  • Thiokol-Elkton Federal Credit Union is a not-for-profit financial alternative to banks. Unlike other financial institutions, a credit union is owned & run by its members, who pool their savings in order to provide low cost loans & other services. If you work for one of our sponsor groups or have a family member who does, we invite you to join us.

  • Highway Federal Credit Union
  • 405 Laurel Street, Hughestown, PA, 18640
  • Highway Federal Credit Union. Although our services are similar to a bank, our philosophy is quite different. As a member-owned, non-profit financial institution, our credit union is run strictly for the benefit of our members. We strive to provide members with higher yields on savings and lower rates on loans.

  • Whitehall Mortgage Financial
  • 306 S Keyser Ave, Old Forge, PA, 18518
  • Whitehall Mortgage has been providing Residential Home Mortgage Loans throughout the Commonwealth of Pennsylvania for over three decades. The father and son duo, Douglas and Dallas, use their Northeasten PA roots and knowledge to best serve this area with the best mortgage service.