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

As of 2025, the Conventional loan limit for Ford-City, within Kern county, CA, amounts to $647,200, while the FHA limit is $420,680 for a single-family home.

Lendersa® provides a Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents required to qualify. With our advanced tool, view Conforming Conventional, USDA, FHA, and VA loans side by side to choose the best program for your financial needs in CA.

Check loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Ford-City, Kern County, CA

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

This table applies to the following zip codes: 93268

Choosing Conventional and FHA Loan Options in Ford-City, CA

The goal of Lendersa® is to quickly and effortlessly get you the best possible Conventional, USDA, or FHA loan. Choose from three initial steps that align you with appropriate lenders and loan programs.

Results from Lendersa USDA loan request and matching


  • American West Mortgage
  • 55318 E 2nd St, Suite 584, Long Beach, CA, 90803
  • American West Mortgage since in 1991 and this company president of the Roger Hinkle American West Mortgage Mortgage Banking and Broker of home loans. We make home loans primarily in California. Conventional, FHA, Jumbo. Fixed and Adjustable rate loans. Both Residential and Commercial properties.
  • Woody Financial Realty Corp.
  • 5580 E. Second Street Suite 211, Long Beach, CA, 90803
  • Woody Financial Realty Corporation is a member of the Pacific West Association of Realtors, the Southern Regional Multiple Listing Service and the California Mortgage Association. The Company markets aggressively in large Broker network marketing sessions and in Real Estate publications.
  • American Freedom Funding
  • 22632 Golden Springs Dr, Suite 180, Diamond Bar, CA, 91765
  • We are home loan experts dedicated to making sure your home purchase or refinance experience is easy, honest, and quick. We’re a direct mortgage lender. That means that you will work directly with the person who lends you the money to buy your dream home (or condo!) No ridiculous bank “loan profiles.” Just common sense and fair play.
  • NuBridge Commercial Lender
  • 21680 Gateway Center Drive, Suite 230, Diamond Bar, CA, 91765
  • NuBridge Commercial Lending is a nationwide direct lender focused on making first-lien, short-term bridge loans to owners of small-balance commercial properties in 48 states and the DC. We can help you fund loans for multifamily, mixed-use, office, retail, light industrial, mobile home parks, self-storage, warehouse, and retail properties.
  • Investment & Financial
  • 556 N. Grand Blvd, Diamond Bar, CA, 91765
  • GRAND INVESTMENT&FINANCIAL was founded with the intent to provide a loan for every borrower and every home. With a wide choice of loan products, you'll find a loan program that suits your financial goals, and our skilled loan specialists can walk you through the steps to funding your dreams. With unparalleled customer service
  • NetCORE Realty & Lending
  • 21671 Gateway Center Drive, Suite 207, Diamond Bar, CA, 91765
  • Our mission is to ensure that your real estate dreams are fulfilled in a way that is seamless, efficient, and in your best interest. Serving the entire State of California with a focus on Southern California, our team has over a decade of experience helping both buyers and sellers navigate the complexities involved in exploring real estate.
  • American Empire Lending
  • 20955 Pathfinder Rd, Suite 100, Diamond Bar, CA, 91765
  • American Empire Lending helping customers afford the home of their dreams for many years and we love what we do.All loans are subject to credit approval. Interest rates are subject to change daily and without notice. Current interest rates shown our indicative of market conditions and individual qualifications.
  • Resban
  • 22632 Golden Springs Dr, Suite 200, Diamond Bar, CA, 91765
  • Founded in 1989, Residential Bancorp is committed to making the home-buying experience simple and enjoyable for customers from start to finish. Our mission is to become the first choice and a household name throughout the United States for home loans. With a vibrant, team-oriented corporate culture and a proven track record of success,
  • Exceed Lending
  • 21660 Copley Dr. #175, Diamond Bar, CA, 91765
  • We at Exceed Lending understand that your real estate is an important investment, and it is our mission to help you achieve your dreams. Our goal at Exceed Lending is to provide access to loan programs that best fit your needs, while providing exceptional customer service, to achieve a rewarding loan experience.
  • Kinetic Mortgage
  • 10073 Valley View St, Suite 409, Cypress, CA, 90630
  • Kinetic Mortgage full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending…from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates.