FHA VS Conventional loan in Ontario, San Bernardino County, California

In 2026, the loan limit for Conventional loans in the city of Ontario, located in San Bernardino county, CA, stands at $1,089,300 while for a single-family home, the FHA limit is $1,089,300.

Use Lendersa®'s Conventional loan calculator to compare today's prime rates across Conventional, FHA, and USDA loans. Determine key requirements like income, credit scores, reserves, and documentation needed for qualification. The advanced mortgage calculator offers a side-by-side analysis of Conforming Conventional, USDA, FHA, and VA loans, aiding in identifying the best program in CA for your financial situation.

Explore loan offers from a diverse range of 100 lenders

2026 Loan Limits and Downpayment Requirements in Ontario, San Bernardino County, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This table applies to zip codes: 91762, 91761, 91764, 91743, 91758

Diverse Options for Conventional and FHA Loans in Ontario, CA

Lendersa®'s aim is to offer the best suitable Conventional, USDA, or FHA loans efficiently and without hassle. Pick one of three starting points to find matched lenders and optimal loan programs.

Lendersa matching results for USDA loan requests


  • YSN Financial Corp
  • 8333 Foothill Boulevard, Suite 202, Rancho Cucamonga, CA, 91730
  • YSN Financial Corporation, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders

  • Chris Armen
  • 8439 White Oak Ave, Suite 102, Rancho Cucamonga, CA, 91730
  • Chris Armen Real Estate and Finance We are out of the box game changers, natural born strategists and problem solvers doing it our way since day one. Our brand of Real Estate. Whether its a sale, purchase or refinance, our heart, soul and collective being go into your transaction.

  • Empire Mortgage
  • 9227 Haven Avenue, Suite 275, Rancho Cucamonga, CA, 91730
  • Empire Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family

  • ML Mortgage Corp
  • 8270 Aspen st, Rancho Cucamonga, CA, 91730
  • At ML Mortgage, we understand that the home mortgage process can be one of the biggest financial decisions of your life, so we have dedicated ourselves to ensuring that the process is as friendly, streamlined, and makes as much financial sense to you as possible. We at ML Mortgage understand that it’s a BIG DEAL.

  • Home Funding Corp.
  • 10718 Civic Center Drive, Rancho Cucamonga, CA, 91730
  • Here at Home Funding Corp. we offer the stability and product selection of a large corporation, with the service of an independent business. In our 20-year history we have never had a layoff. Our turn around time for FHA loans is 16 business days, and our conventional financing typically takes 8-10 business days. Our staff is all in house,

  • New Beginnings Mortgage
  • 9045 Haven Ave. Ste 106, Rancho Cucamonga, CA, 91730
  • New Beginnings Mortgage 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

  • Fusion Mortgage Lending
  • 9267 Haven Ave #265, Rancho Cucamonga, CA, 91730
  • Fusion Mortgage Lending, we pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package.we realize you are unique and we'll work with you to form a loan.

  • EZ Fundings
  • 8577 HAVEN AVE, SUITE 201, Rancho Cucamonga, CA, 91730
  • EZ Fundings an easy choice to be your next Home Loan one-stop shop. The Haven office opened up in November 2011 in order to take home loans to the next level with accurate knowledge of the ever-changing loan industry, and the goal of becoming an industry leader in streamlining the Home Loan process.

  • Pac West Home Loans
  • 10737 Laurel St Suite 100, Rancho Cucamonga, CA, 91730
  • PDM Mortgage has brought these principles to our colleagues and our customers through a tradition of "can do, will do" service, making us the independently owned and operated residential mortgage lender of choice from our Rancho Cucamonga, ca and across America we are here to serve you in our Denver Colorado and Boynton Florida offices.

  • Rancho Capital Home Loans
  • 9121 Haven Avenue, Suite 210, Rancho Cucamonga, CA, 91730
  • Rancho Capital Home Loans specializes in financing residential properties in Rancho Cucamonga.We pride ourselves in professionalism and customer service. For all of your home loan needs and In 2019 our ownership opened Rancho Capital Home Loans with a goal of providing the best customer experience and the lowest rates in our surrounding area.

  • The Mortgage Phoenix Group
  • 8599 Haven Ave #301, Rancho Cucamonga, CA, 91730
  • The Phoenix Mortgage Group is a boutique Mortgage Planning Firm that offers the industries most comprehensive mortgage advice while simultaneously providing a work environment that loves and cares for it’s clients, partners, staff, environment and community and also We provide our clients clear, simple, and powerful mortgage plans.