FHA VS Conventional loan programs in California-City, Kern County, California

In 2025, Convetional loan limit in California-City, county of Kern, CA is $647,200 while FHA limit is $420,680 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

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2025 loan limits and downpayment requirments in California-City, county of Kern, CA

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $291,100 0%
FHA $420,680 3.5%

The comparison table applies to zip codes: 93505, 93504

Conventional and FHA loan options in California-City, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Buckeye State Bank
  • 9494 Wedgewood Blvd, Powell, OH, 43065
  • Buckeye Nation Interim, a company formed by a diverse team of local business leaders, purchased the bank and in September 2014, the bank name was changed to Buckeye State Bank. The name change publicly reflects the beginning of a new chapter of offering our members in all of Ohio the “big bank
  • BancOhio Financial
  • 271 South Liberty, Powell, OH, 43065
  • At BancOhio, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Mortgage Solutions Network
  • 197 W Crogan St, Lawrenceville, GA, 30046
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Hard Money Loans Georgia
  • 155 Gwinnett Dr, Suite E, Atlanta, GA, 30046
  • Georgia Private Loans is an Atlanta-based private lending company that focuses on short-term loans secured by real estate. Our clients utilize our loans, often referred to as "bridge" or "hard money" loans and also We offer two significant advantages over banks and other financial institutions: speed and flexibility.
  • SmartBank
  • 2430 Teaster Ln, Suite 205, Pigeon Forge, TN, 37863
  • SmartBank emerged in January 2006, when long-time executive Bankers Bill Carroll and Billy Carroll decided to start the process of organizing a Bank with the image, values and service level that would become incomparable to any other Bank in the market. SmartBank opened its first office in January 2007
  • OUR Credit Union-Rochester Rd
  • 3070 Normandy Rd, Royal Oak, MI, 48073
  • OUR Credit Union has provided financial services to individuals, families and businesses within our community since 1959. The credit union was originally chartered to serve the savings and loan needs of the St. Dennis Parish community. We operated as St. Dennis Parish Credit Union until June 1984 when a charter change allowed us to open our field
  • Dillon Hunter LLC
  • 1411 Amelia Avenue, Royal Oak, MI, 48073
  • When it comes to product range, we have an extensive lineup. We have a full array of choices and lots of ideas to help more buyers qualify. Dillon Hunter Funding is Fannie Mae, Freddie Mac and Ginnie Mae approved. We also broker loans giving our customers a much wider net from which to choose.
  • Chadash Lending Group LLC
  • 2223 Park Manor Lane, Snellville, GA, 30078
  • Chadash Lending Group, LLC is a Licensed Mortgage Lender and a Licensed Mortgage Broker in the State of Georgia. Helping people realize their dreams and accomplish their goals in life is very rewarding to us at Chadash Lending Group. And because not only are we a Lender, but we also work with several outstanding Lenders.
  • Alvorada Mortgage LLC
  • 1701 Hickory Lake Dr, Snellville, GA, 30078
  • Alvorada Mortgage is a full-service mortgage broker. What does that mean? It means that when you apply for a mortgage with Alvorada Mortgage, we are affiliated with multiple wholesale lending institutions.We can shop your mortgage with a variety of wholesale mortgage companies to find the mortgage suited exactly to your needs & at the lowest rate.
  • HAMMER MORTGAGE, INC.
  • 2326 Wisteria Drive, Suite 110, Snellville, GA, 30078
  • Hammer Mortgage is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time,
  • Traditional Mortgage Banc Inc
  • 1560 Fishinger Road, Columbus, OH, 43221
  • Traditional Mortgage Banc has grown to become one of the leading Conventional, FHA, VA, and Fannie Mae approved mortgage bankers in Central Ohio. Traditional Mortgage Banc offers the most competitive rates and terms in the market place. We offer Conventional Financing, FHA, VA, and more or an experienced real estate investor.