FHA VS Conventional loan programs in 2024 for Ridgecrest, Kern County, California

In 2024, Convetional loan limit in Ridgecrest, county of Kern, CA is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

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2024 loan limits and downpayment requirments in Ridgecrest, county of Kern, CA

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $345,100 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 93555, 93556

Conventional and FHA loan options in Ridgecrest, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Minter Mortgage, Inc.
  • 2409 Hillary Trail, Mansfield, TX, 76063
  • Minter Mortgage are you’re 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.
  • Mansfield Mortgage Company
  • 208 East Broad Street, Suite 101, Mansfield, TX, 76063
  • "At Mansfield Mortgage, we understand the home-buying experience can be both exciting and stressful. After all, it’s probably your biggest investment. Let our experts help take the stress out of the mortgage process. From application to closing, we’ll work hand in hand to make your financial decisions easier and smarter."
  • Lincoln SDA Credit Union
  • 4733 Prescott Avenue, Lincoln, NE, 68506
  • The Lincoln SDA Credit Union is organized to serve members of the Seventh-day Adventist Church, Students and Employees of Adventist Colleges, and Employees of Adventist Hospitals. As a faith-based financial institution owned and operated by our members, our purpose is to provide a competitively priced line of financial products and services.
  • Nebraska Mortgage Expert
  • 2901 South 84th Street, Suite 10, Lincoln, NE, 68506
  • Nebraska mortgage expert offers mortgage home loans, FHA, VA, USDA loans and refinancing with 18 years of experience in the banking and mortgage . Nebraska home mortgage loans NIFA interest rate mortgage rates fixed rate FHA Loans government home loan jumbo loans. We offer short term construction loans to help you build your dream home.
  • Allied Federal Credit Union
  • 200 SE Green Oaks Boulevard, Arlington, TX, 76018
  • Allied Federal Credit Union is proud to serve the cities of Arlington and Mansfield. Formerly Arlington FCU, we continue to offer the same great services. In 1965 a handful of City of Arlington employees had the foresight and determination to provide a benefit to their co-workers that would assist them in becoming financially secure.
  • Generations Community Federal Credit Union
  • 9311 San Pedro Ave, San Antonio, TX, 78216
  • Generations FCU was founded in 1940, with each founding member depositing $10 to become a member-owner. This new financial cooperative allowed members to provide for their families, build savings, buy cars, and plan for a secure future – together. Previously named San Antonio City Employees Federal Credit Union
  • Texas State Home Loans, Inc.
  • 13333 Blanco Road, Suite 204, San Antonio, TX, 78216
  • Texas State Home Loans, Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward .
  • Texas Heartland Mortgage
  • 1175 W Bitters Bldg 1, Suite 101, San Antonio, TX, 78216
  • Texas Heartland Mortgage San Antonio, Texas ! As a Team We are excited and look forward to exceeding your expectation in purchasing a home to call your own. Contact us directly and let us know how we can assist you, or answer any questions, you may have in buying or refinacing your home
  • SWBC Mortgage Corporation
  • 9311 San Pedro, Suite 100, San Antonio, TX, 78216
  • SWBC Mortgage Corporation is a full-service mortgage lender approved with FNMA, FHLMC, and GNMA. Headquartered in San Antonio, Texas, SWBC Mortgage has been providing mortgage banking services since 1988. Through the ups and downs of the mortgage industry, the mortgage corporation has remained committed to service, integrity
  • Home Loan Experts, LLC
  • 10000 San Pedro Suite 110, San Antonio, TX, 78216
  • Home Loan Experts, LLC great time to purchase or refinance, so let us walk you through the whole process. It's easy and Use the form within the banner above and instantly get a rate quote, including closing costs. You can also use our Get Pre-Qualified form on the right to receive a pre-approval letter.