USDA Vs. FHA Pro and Con comparison in Valley-Center, San Diego County, CA
For 2026, the USDA loan limit in Valley-Center, county of San Diego, CA, is set at $615,000, whereas the FHA limit for a single-family home is $753,250.
Use the Lendersa® USDA loan calculator to effectively compare today’s best USDA and FHA rates. Discover the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator offers side-by-side views of USDA, FHA, Conforming, and VA options, assisting you in finding the best program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Valley-Center, 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 Valley-Center, CA
Lendersa® aims to swiftly secure you the best possible USDA or FHA loan without hassle. Choose from three entry points that connect you with matching lenders and USDA programs.
A USDA home loan, also called a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture. It's available only in rural areas and, unlike FHA loans that require a minimum 3.5% down payment, this mortgage does not require a down payment.
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