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

In 2025, Convetional loan limit in Ford-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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Ford-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: 93268

Conventional and FHA loan options in Ford-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


  • Caliber Home Loans, Inc
  • 877 Anchorage Place, Chula Vista, CA, 91914
  • Caliber Home Loans is a full-service national mortgage lender and agency direct seller/servicer. Caliber originates loans through various channels and transaction types, including a network of retail branches,wholesale lending & correspondent lending.Caliber also offers innovative servicing solutions for both conforming and non-conforming loans.
  • Western Capital Mortgage
  • 860 Kuhn Drive Suite 201, Chula Vista, CA, 91914
  • Our 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.
  • First Priority Home Loans
  • 891 Kuhn Dr Ste 204, Chula Vista, CA, 91914
  • The First Priority Home Loans Team is your premier mortgage lender located in Chula VIsta, California. First Priority Home Loans offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Chula VIsta area.
  • Patriot Home Loans
  • 823 Anchorage Place, Chula Vista, CA, 91914
  • Patriot Home Loans is committed to exceeding expectations and creating a raving fan experience for all of our homeowners. We proactively communicate through your entire mortgage process with weekly status updates. We commit to: Close on time! Close accurately with the initial figures we originally promised within $100.
  • GI Home Loans, Inc.
  • 910 Hale Pl, Suite 207, Chula Vista, CA, 91914
  • G.I. Home Loans is your Internet resource center for VA Home Loans. We are committed to “serving those who served” by offering the most comprehensive and dedicated service possible to the men and women of our Armed Forces who are in need of assistance with the purchase or refinance of their home.
  • Optimal Loans
  • 799 Fletcher Lane, Suite 202, Hayward, CA, 94544
  • Optimal Loans strives to stay market competitive by offering expert knowledge and deep banking connections. We will fight hard to get you the best deal out there. We earn customer trust, not just on one loan --but stay in your corner as you buy homes, buy or grow a business or invest commercially.
  • HPI Financial
  • 1149 Cherry St., San Carlos, CA, 94070
  • HPI Financial team is committed to providing our clients with the highest quality financial services combined with low rates and varied loan options. Our outstanding HPI Financial 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.
  • Bay Area Capital Funding
  • 790 Laurel Street, Suite 11, San Carlos, CA, 94070
  • Our company specializes in residential loans, and construction loans in Northern California. We will also do hard money and private money loans in the San Francisco Bay Area. We do provide construction money in many circumstances, usually in Northern California, for both spec and owner occupied projects
  • Golden State Mortgage, Inc.
  • 601 W. Kettleman Lane, Suite B, Lodi, CA, 95240
  • "At www.GsmLoans.com, you can find information on different Loan Programs and find the best loan for you. Also find information on local schools, weather, links and other resources for the Lodi area and its surrounding communities. Our team at Golden State Mortgage, Inc. can assist you with a variety of real estate services,"
  • American Realty Services
  • 23704 Clawiter Road, Hayward, CA, 94545
  • Whether you are looking for houses for sale or to sell a house, the most important thing is that you work with a real estate agent that you can trust. As your loyal real estate agent, I take it upon myself to provide you with the guidance and assistance that you deserve throughout the entire real estate process.