FHA VS Conventional loan in Colton, San Bernardino County, California

In 2026, the conventional loan cap for a single-family home in Colton, San Bernardino County, CA is $1,089,300, while the FHA limit amounts to $1,089,300.

The Lendersa® Conventional loan calculator lets you compare rates for Conventional, FHA, and USDA loans as of today, helping you determine the income, credit, reserves, and documents needed for qualification. This advanced tool allows a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans to help you choose the most suitable program in CA.

Compare loan offers from 100 lenders

2026 Loan Limits and Downpayment Requirements in Colton, San Bernardino County, CA

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

This table applies to the following zip codes: 92324

Conventional and FHA Loan Options in Colton, CA

Lendersa® aims to provide you with the most favorable Conventional, USDA, or FHA loan quickly and without hassle. Begin with one of three strategies to connect with suitable lenders and loan programs:

Lendersa USDA loan request and results


  • HLOANPRO
  • 4115 East Live Oak Avenue, Suite 11, Arcadia, CA, 91006
  • HLOANPRO We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.

  • Target Mortgage Inc.
  • 230 East Foothill Boulevard, Arcadia, CA, 91006
  • Target Mortgage Inc mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan

  • Fidelity 1st Funding
  • 67 East Live Oak Avenue, Suite 103, Arcadia, CA, 91006
  • Fidelity 1st Funding was founded in 2005 to fill the void major lenders had in programs, to help clients with low credit scores. Fidelity 1st Funding’s staff have over 10 years’ experience in the mortgage industry.Fidelity 1st Funding has helped hundreds of clients with excellent credit to clients with less than perfect credit obtain new mortgages.

  • America Smart Home
  • 8942 Garden Grove Boulevard, Suite 207, Garden Grove, CA, 92844
  • At America Smart Home, 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.

  • Certified Federal Credit Union
  • 4455 Arden Drive, El Monte, CA, 91731
  • In 1949, Certified Federal Credit Union was founded in the City of Commerce, California, to serve the companies and employees affiliated with Certified Grocers. Five years later, just up the road in Arcadia, California, Vons Employees Federal Credit Union was founded to serve the employees of the Vons Grocery Company.

  • Platinum Realty & Mortgage Group
  • 10507 Valley Blvd, Suite 420, El Monte, CA, 91731
  • Platinum Realty & Mortgage Corp. was incorporated in California and is licensed by the California Secretary of State and it is also licensed by the California Department of Real Estate. We believe in excellence, and we strive to provide our clients with the highest level of quality in every service or product we may offer.

  • Amerifund Corporation & Realty
  • 17155 Newhope St, Suite H, Fountain Valley, CA, 92708
  • The Amerifund Corporation & Realty can help you finance your dream home with our low-interest-rate loans! We make it easy to buy a home with simple processes and streamlined service to provide you with all your home-buying needs in one place. Whether you are looking for an FHA loan, Fixed-Rate Loan, or even a Jumbo Loan, we've got you covered.

  • Infiniti Home Loans Inc.
  • 16480 Harbor Boulevard, Suite 201, Fountain Valley, CA, 92708
  • Our philosophy is Homeownership Guidance for life! We specialize in low cost or no closing cost Refinance and new purchase home loans. We can lock a loan free of charge and absolutely no application fee. We promise to provide you with the highest level of customer service. We’ve been first time home buyers.