FHA VS Conventional loan programs in 2026 for Bakersfield, Kern County, California
In the year 2026, the boundary for a Conventional loan in Bakersfield, the county of Kern in CA, is $726,200, whereas for FHA, the limit for a single-family home is $472,030.
Leverage the Lendersa® Conventional loan calculator to evaluate the best rates of today among Conventional, FHA, and USDA options. Determine the income, credit, reserves, and documentation necessary for qualification. Our state-of-the-art mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA, facilitating an informed decision in CA based on your financial needs.
Loan limits and downpayment specifications for 2026 in Bakersfield, placed in the county of Kern, CA
Loan Type
Loan Limit
Down payment
Conventional Conforming
$726,200
3%
USDA
$345,100
0%
FHA
$472,030
3.5%
The above comparison table is applicable to these zip codes: 93306
Exploring Conventional and FHA loan offerings in Bakersfield, CA
The mission of Lendersa® is to efficiently connect you with the optimal Conventional, USDA, or FHA loan solutions. Initiate the process by choosing one of the three methods below that align lenders and their programs to your needs.
The Summit Financial Team has over 200 years combined mortgage lending experience. We are well versed in all aspects of the mortgage origination process. Whether you are seeking Conventional, FHA & VA, Construction, Reverse Mortgage or Alternative financing, Summit Financial is here for you.
Bakersfield City Employees Federal Credit Union was founded in 1936 to serve employees of the City of Bakersfield and their family members. We have grown in asset size and services since then, and we also now serve the employees of Golden Empire Transit and BNSF Railroad. If you are a city employee
Prince Financial is a family owned business formed in 1994 but the principal officers, David and Barbara Prince have over 35 years experience in all aspects of the Real Estate business.We love the mortgage Finance business and it has been our entire working careers.and also We love the interaction with people.
1430 Truxtun Avenue Suite 509, 5th Floor, Bakersfield, CA, 93301
Lends in California
Alterra Home Loans, a division of the Panorama Mortgage Group, was founded in 2006. Alterra Home Loans is 100% minority-owned and focuses on lending to traditionally underserved communities, including Black and Latino borrowers and also Alterra is one of the fastest growing 100% Hispanic owned companies in the Nation.
New Beginnings has been operating as a Full Service Mortgage Company in the Kern County Market since 2000. Our professionals have very specific requirements when it comes to the skills needed to maintain the level of great service expected in Hard Money Loans, Conventional Loans, and Real Estate.
5001 California Ave, Suite 218, Baskersfield, CA, 93309
Lends in California
Dream House Lending is the place for you. We make it easy and fast to get pre-approved for your loan. You can apply online or over the phone in just minutes, so there’s no reason not to! Plus, we have a network of lenders that are ready to help you.
Our lenders will work with you every step of the way – from finding out what kind of home loan wo
4560 California Ave, Suite 300, Bakersfield, CA, 93309
Lends in California
Cornerstone Mortgage is a locally owned and operated company with over twenty five years of experience in the lending industry. We offer a variety of loan products to fit our client’s specific needs. Each client is different and their lifestyles require special planning. We are dedicated to helping our clients choose the right loan.
1200 Discovery Drive, Ste. 300, Bakersfield, CA, 93309
Lends in California
GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for nearly 30 years. The GEM business philosophy holds true that all consumers deserve access to credit, where “our customers are our business” is the cornerstone for excellence.
5060 California Ave, Suite 1090-F, Bakersfield, CA, 93309
Lends in California
The Clarity Home Loans Team is committed to providing clients with the highest quality home loans combined with some of the most competitive mortgage rates available in all of California. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage
5001 California Avenue, Suite 200, Bakersfield, CA, 93309
Lends in California
Agape Mortgage provide you the best information to help you decide to purchase or refinance your personal home, vacation home or investment property. You can trust us to help you find the loan program that is best for you and your family, according to your goals.The loan process can be a source of anxiety.
