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

For the year 2026, the Conventional loan limit in Rialto, county of San Bernardino, CA is established at $1,089,300, while the FHA limit for a single-family home rests at $1,089,300.

Use Lendersa®'s Conventional loan calculator to compare the best current rates among Conventional, FHA, and USDA loans. Assess the income, credit score, reserves, and documents needed for qualification. Our advanced mortgage tool enables you to compare Conforming Conventional loans, USDA, FHA, and VA side by side, helping you determine which program in CA fits your financial needs best.

Compare loan offers from over 100 lenders

2026 Loan Limits and Down Payment Requirements in Rialto, San Bernardino, CA

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

The comparison table applies to these zip codes: 92316

Conventional and FHA Loan Options in Rialto, CA

Lendersa®'s goal is to efficiently provide the best Conventional, USDA, or FHA loan solutions with minimal hassle. Choose one of the three starting points below to connect with matching lenders and loan programs.

Lendersa USDA loan request and matching results


Rialto Lenders

  • Inland Valley Federal Credit Union
  • 9389 Cherry Ave, Fontana, CA, 92335
  • Lends in California
  • Inland Valley FCU is a not-for-profit financial cooperative. We exist to serve the needs of our members and offer the same types of banking products and services you would find at other financial institutions. This includes savings accounts, checking accounts, loans, mortgages, online banking, bill payment, and more.

  • Rehab Loan Group, Inc.
  • 3585 Main Ave, Suite 208, Riverside, CA, 92501
  • Lends in California
  • We offer first time and experienced flippers access to this capital and can offer both refinance or purchase loans, with or without rehab financing. We also work with Investors that would like to acquire or refinance Rental property, Small to mid-sized and even large Apartment buildings, as well as commercial property.

  • Broker Brothers Real Estate
  • 3393 14th Street, Suite C, Riverside, CA, 92501
  • Lends in California
  • Broker Brothers Real Estate buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • Frausto Real Estate & Loans
  • 9036 Mission Boulevard, Suite 141, Riverside, CA, 92509
  • Lends in California
  • We are real estate and mortgage brokerage, specializing in helping our clients achieve their goals of home ownership. We also assist investors with the purchase of both residential and commercial properties and Our firm specializes in REO transactions, with extensive experience in Short Sales, Deeds-In-Lieu of Foreclosure and more..

  • North South Mortgage Corp
  • 6328 Mission Boulevard, Riverside, CA, 92509
  • Lends in California
  • At North South Mortgage 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.

  • Hypo Lending
  • 250 N. G St., San Bernardino, CA, 92410
  • Lends in California
  • Hypo Lending is a mortgage bank that specializes and offers an extensive range of loan products for purchase and refinance; FHA, VA, conventional loans, bank statement loans, foreign loans, ITIN loans, and commercial loans. We are a group of knowledgeable finance professionals with a proud Christian background.

  • Affordable Home Loans Inc.
  • 370 West 6th Street, Suite 110, San Bernardino, CA, 92401
  • Lends in California
  • Affordable Home Loans Inc. in San Bernardino, California, is a home refinance and loan company with more than 70 years of combined experience in providing the lowest rates in conventional, FHA, VA, and reverse mortgage loans. In our more than 30 years in business, we have helped hundreds of referral clients with our personalized.

  • Arama Real Estate Services
  • 7426 Cherry Avenue, Suite 210, Fontana, CA, 92336
  • Lends in California
  • Arama Real Estate Services (ARES) is a Licensed Real Estate Company that provides Residential & Commercial real estate services for all your sale, purchase, lease, investment and Property Management needs within the Southern California market and beyond. In addition, we offer supplemental services of business opportunities for investors.

  • VirtuaLending
  • 9267 Haven Ave, Suite 150,, Rancho Cucamonga, CA, 92336
  • Lends in California
  • Virtua Lending We're not just a lender. We're a homeowner resource. Our mission is to break the standard of modern mortgage lending. We understand our clients well and are focused on providing the best service possible. We hold our name to our reputation. We will make sure you know that we are the most competitive and diligent people.

  • Altura Credit Union
  • 2847 Campus Parkway, Riverside, CA, 92507
  • Lends in California
  • Altura Credit Union was founded in Riverside in 1957. Over the many years, Altura has focused on its Members and their needs for products and services that will help them achieve their financial dreams. Today, we proudly serve more than 86, 494 Members who are not only our Members, but our owners as well.