FHA VS Conventional loan programs in 2026 for Joshua-Tree, San Bernardino County, California

As of 2026, the Conventional loan limit in Joshua-Tree, located in the county of San Bernardino, CA, stands at $647,200, while the FHA limit for a single-family home is $562,350.

Utilize the Lendersa® Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans, determining the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the best program for your financial situation in CA.

Review loan offers from 100 lenders

Understanding 2026 Loan Limits and Down Payment Requirements in Joshua-Tree, San Bernardino, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $381,800 0%
FHA $562,350 3.5%

This comparison table is applicable to zip codes: 92252

Exploring Conventional and FHA Loan Options in Joshua-Tree, CA

Lendersa® is committed to finding the best Conventional, USDA, or FHA loan efficiently and without any hassle. Choose from three starting points that will match you with appropriate lenders and programs.

Lendersa USDA loan requests and their matching outcomes


  • Cityscape Home Mortgage
  • 1115 S Lewis Ave, Suite D, Tulsa, OK, 74104
  • Cityscape we are milestone oriented rather than closing date oriented. Other lenders just work toward a closing date which can lead to problems, delays and a lot of rushing! We set the stage upfront, ask for all the items needed in advance, and keep your file moving at record speed

  • Liberty Realty Capital
  • 1611 South Utica, Suite 102, Tulsa, OK, 74104
  • Liberty Realty Capital is a private money lender offering funding across these areas: Tulsa, Oklahoma City, Fayetteville, Edmond, Broken Arrow, Bentonville, Fort Smith, Sand Springs, Norman, Little Rock, Stillwater, Dallas, Claremore, Enid, Austin, Waco, Joplin, Wichita, Wichita Falls. They provide lending solutions for many different scenarios

  • Energy One Federal Credit Union
  • 6100 S Yale Avenue, Suite 100, Tulsa, OK, 74136
  • Energy One FCU is a not-for-profit organization invested in the in the mission to helping their members 'Catch their Dreams'. Built on traditional values and offering a full range of financial products and services for individuals, families and businesses. Though we are hold true to the personal feel of credit union banking.

  • ZFG Mortgage
  • 6670 S. Lewis Ave, Suite 200, Tulsa, OK, 74136
  • ZFG Mortgage headquartered in Tulsa Oklahoma is commonly recognized as the states premier mortgage lender. ZFG offers FHA, USDA, Conventional and Non-conventional home mortgage loans. Our loan officers have 33 years of mortgage lending experience with wholesale mortgage banks & mortgage lenders and are licensed to close home loans.

  • AMC Mortgage
  • 7211 S Yale Avenue, Tulsa, OK, 74136
  • AMC’s focus is on creating the very best experience for our clients and our employees during the process of obtaining a home mortgage. As a team, we are committed to creating a referable experience for our clients and referral partners. We place the highest value on our internal and external relationships and are grateful for the reputation.

  • Red Crown Credit Union
  • 5001 E 91st Street, Tulsa, OK, 74137
  • Red Crown Federal Credit Union received its charter on February 8, 1938, from the Farm Credit Administration under the Federal Credit Union Act. The original ten subscribers applied for an association charter to serve “All employees of the Stanolind Oil & Gas Company in the general office, laboratory, and warehouse, residing in Tulsa, Oklahoma.

  • Raystar Mortgage Group Inc
  • 9404 S Delaware Ave, Tulsa, OK, 74137
  • Raystar Mortgage LLC 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 mortgage loan

  • Emporia State Federal Credit Union
  • 310 W 12th Avenue, Emporia, KS, 66801
  • Emporia State Federal Credit Union began as a small financial institution in July of 1937, serving a "field of membership" of employees of two Emporia cooperatives. Through the years, ESFCU has continued to grow and expand while still preserving it's roots in the Emporia community.

  • Lyon County State Bank
  • 902 Merchant St., Emporia, KS, 66801
  • The Lyon County State Bank (LCSB) was chartered on June 27, 1913 and first opened for business at 508 Commercial Street, Emporia, Kansas, with Senator W. M. Price as President. The bank moved to 701 Commercial Street in 1956 and remained there until the current Main Bank facility was built in 1975 at 902 Merchant Street.