USDA VS FHA in Valinda, Los Angeles County, CA

For 2026, the USDA loan cap in Valinda, in Los Angeles county, CA, is $776,600. On the other hand, the FHA limit for a single-family home is set at $1,089,300.

To evaluate the most competitive USDA versus FHA rates currently available, utilize the Lendersa® USDA loan calculator. This tool helps determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program for your financial situation in Alabama.

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2026 Loan Limits and Down Payment Requirements in Valinda, Los Angeles, CA

Loan Type Loan Limit Down payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Explore USDA and FHA Loan Options in Valinda, CA

At Lendersa®, our aim is to simplify the process of obtaining the best USDA or FHA loan swiftly and without complications. Choose from one of three pathways that lead to matching with appropriate lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

The USDA home loan, often referred to as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is available exclusively in rural areas. In contrast to FHA loans, which require a minimum down payment of 3.5%, the USDA home loan requires no down payment at all.

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



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