In the year 2026, the USDA loan limit in South-Whittier, located in Los Angeles county, CA, is established at $657,900, while the FHA limit for a single-family home there is set at $822,375. These loan limits dictate how much financing you can get under each program, potentially affecting your housing options in beneficial ways.
To effectively compare today's leading USDA versus FHA rates, utilize the Lendersa® USDA loan calculator. This sophisticated tool provides an overview of the income, credit score, reserve amount, and documents necessary to qualify for loans. It simultaneously displays USDA, FHA, Conforming, and VA loan options side by side, offering a comprehensive view to help pinpoint which program suits your financial circumstances best in
Explore loan options from a network of 100 lenders and take advantage of competitive offers tailored to meet varied financial needs.
| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The primary aim of Lendersa® is to facilitate your connection with the best possible USDA or FHA loan swiftly and without complications. By choosing one of three available pathways, you can engage with matching lenders and USDA loan programs tailored to fit your needs perfectly.
A USDA home loan represents a mortgage option backed by the United States Department of Agriculture. This program, officially referred to as the USDA rural development loan or simply USDA mortgage, is exclusively available in rural areas, assisting those who might not otherwise qualify for traditional loans. In contrast to FHA loans, which mandate a minimum down payment of 3.5%, USDA loans do not require any down payment at all, making homeownership more accessible in designated rural regions. This opens up opportunities for more individuals to own property without an initial financial burden, thereby promoting community development and growth.
Enter your location to find out if it qualifies for USDA rural housing loan?
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