Explore the differences! FHA VS Conventional loan programs in 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


Joshua-Tree Lenders

  • Business Loan Lady
  • 56100 29 Palms Hwy, Yucca Valley, CA, 92284
  • Lends in California
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Our mission is to serve our customers with honesty, integrity and competence.

  • KPL Select Mortgage
  • 2583 N. Palm Canyon Dr, Suite 200, Palm Springs, CA, 92262
  • Lends in California
  • KPL Select Property Management, Inc., is a full service property management company with over 20 years of experience managing residential, commercial and vacation properties throughout Southern California. We specialize in the rental and management of Single Family Homes and Multi Unit Residential properties in the greater Los Angeles Area

  • Desert Empire Mortgage
  • 1111 East Tahquitz Canyon Way, Suite 121, Palm Springs, CA, 92262
  • Lends in California
  • Desert Empire Mortgage Clients purchasing and refinancing their real estate and or business, including commercial property and personal residences, second homes, and investment properties. We specialize in SBA, FHA, VA, USDA, Conventional and other types of commercial and residential home loans.

  • American Lenders Annex
  • 500 West Yorba Road, Palm Springs, CA, 92262
  • Lends in California
  • 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.

  • Kaiser Financial Services
  • 121 South Palm Canyon Drive, Suite 207, Palm Springs, CA, 92262
  • Lends in California
  • Kaiser Financial Services, Inc in Palm Springs, CA received a Paycheck Protection Loan of $2, 083 through Bank of America, National Association, which was approved in May, 2020. Kaiser Financial Services, Inc is a corporation located at 121 S Palm Canyon Dr Ste 207 in Palm Springs, California.

  • MortgageWorks, Inc.
  • 1111 East Tahquitz Canyon Way, Suite 121, Palm Springs, CA, 92262
  • Lends in California
  • 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.

  • Contempo Lending, Inc
  • 475 E. Tahquitz Canyon Way, Palm Springs, CA, 92262
  • Lends in California
  • "Contempo Lending, Inc. We are a locally owned and operated Mortgage Broker located in beautiful Palm Springs, CA.
    When you choose Contempo Lending as your mortgage broker you are promised outstanding service and you can have the confidence that you are getting the best rate possible."

  • Infinity Home Loans Group
  • 77770 Country Club Drive, Suite A, Palm Desert, CA, 92211
  • Lends in California
  • Infinity Home Loans Group as well as a life time resident of the Coachella Valley, you can rely on me and my broad network of resources to make a REAL difference in your home buying process. Because of my 17 years of experience and the knowledgeable mortgage team that stands behind me, I'm an expert at connecting my customers to mortgage solutions.

  • Ronald Christopher and Associates Inc
  • 77734 Country Club Drive, Suite L2, Palm Desert, CA, 92211
  • Lends in California
  • Ronald Christopher & Associates is a boutique Real Estate & Mortgage office that was established in 2013, Veteran owned & operated by Ron & Tina Saporito. Meeting within the business many years ago, Ron & Tina discovered they both had the same drive & passion for the real estate & mortgage industry but wanted to offer their clients a more enhanced,

  • Power 1 Financial
  • 77570 Springfield Lane, Suite M, Palm Desert, CA, 92211
  • Lends in California
  • At Power 1 Financial has 20+ years of experience in the mortgage industry. As a Mortgage Broker we can offer many types of loan programs through a variety of lenders. Banks and Mortgage Bankers are only able to offer limited in-house loan programs. Our number one priority is focusing on making customers for life!