FHA VS Conventional loan in Lake-Isabella, Kern County, California

In 2025, the Conventional loan limit for Lake-Isabella in Kern county, CA, is $647,200, while the FHA limit for a single-family home is $420,680.

Use the Lendersa® Conventional loan calculator to compare today's top rates for Conventional, FHA, and USDA loans. Evaluate the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator compares Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the most suitable program in CA for your financial needs.

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2025 Loan Limits and Downpayment Requirements in Lake-Isabella, 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 zip codes: 93285, 93240

Explore Conventional and FHA Loan Options in Lake-Isabella, CA

Lendersa® aims to get you the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose one of three starting paths to connect with matching lenders and loan programs.

Lendersa USDA loan request and results


  • Beacon Lending And Realty, Inc
  • 21 Foxcrest, Irvine, CA, 92620
  • Our mission is to provide you with high quality mortgage programs that are customized to fit your unique situation. We work & do business in an upfront and fully transparent way. We disclose the fees to the clients in advance and in writing & disclose the rate sheets from various lenders, listing the rates & points passed through from the lenders.
  • BlackMarket Mortgage
  • 14271 Jeffrey Road, Suite 316, Irvine, CA, 92620
  • 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.
  • Red Hot Properties
  • 4790 Irvine Blvd, Suite 105-594, Irvine, CA, 92620
  • Since 1991 Siavosh "SAM" Ardalan (Broker/Owner) has always served the community with integrity and professionalism. His clients are lifelong. He is an expert negotiator and problem solver. Many transactions have been saved with his creative solutions that made all parties extremely happy.
  • Oak Creek Funding Inc
  • 27 Delamesa East, Suite 200, Irvine, CA, 92620
  • Oak Creek Funding, Inc. prides itself on delivering a customer experience that completely separates us from every other mortgage company in CA when it comes to obtaining a home loan. Here at Oak Creek Funding we are fully dedicated to making the mortgage process as pleasant as possible for all of our customers
  • First American Financial Group Inc.
  • 16 Laurelwood, Irvine, CA, 92620
  • Purchasing a new home or refinancing? We have a solution. Our team is dedicated to helping our clients become successful homeowners while supporting their financial well-being. With nearly 20 years in Real Estate and Mortgage experience, First American Financial Group is a one stop shop for all of your Real Estate needs.
  • Synergy Lending Inc
  • 780 Roosevelt, Suite 207, Irvine, CA, 92620
  • We've been helping customers afford the home of their dreams for many years and we love what we do. Customer service is very important to all of us. As we continue to improve and expand our services we recognize our customers' need and desire to preserve their privacy and confidentiality.
  • Tiger Loans, Inc.
  • 780 Roosevelt, Suite 120, Irvine, CA, 92620
  • Tiger Loans, Inc. is a direct home mortgage lender currently licensed in California, Florida, Georgia, Idaho, Illinois, Maryland, Texas, and Washington and a mortgage broker licensed in Massechusetts (MB1169300) and Virginia. We offer competitive rates and closing cost on conventional fixed
  • Precision Lending Group
  • 4790 Irvine Blvd #105-461, Irvine, CA, 92620
  • The Precision Lending Group team is committed to providing all clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Wells Fargo
  • 2030 Main Street, Irvine, CA, 92614
  • Step 1: Prequalify Getting prequalified lets you know how much you can borrow, and lets sellers know you can back up your offer. Step 2: Shop Current Wells Fargo customers have exclusive access to a one-stop real estate shopping tool.1 Start your home search now. Step 3: Apply Once you've found a home, it's time to submit a mortgage applicati