In 2025, for a single-family home in Ridgecrest, located in the county of Kern, CA, the Conventional loan limit is $726,200, whereas the FHA limit is $472,030.
The Lendersa® Conventional loan calculator gives you the ability to compare the top Conventional, FHA, and USDA rates available today. You can assess the necessary income, credit score, reserves, and documents required to qualify. This advanced mortgage calculator presents Conforming Conventional loans, USDA, FHA, and VA side by side, assisting in determining the best program for your financial needs in CA.
See loan offers from 100 different lenders
| Type of Loan | Maximum Limit | Minimum Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $345,100 | 0% |
| FHA | $472,030 | 3.5% |
Applicable zip codes for this comparison: 93555, 93556
The mission of Lendersa® is to swiftly connect you with the optimal Conventional, USDA, or FHA loan, without difficulties. Begin with one of the three pathways that facilitate matching with lenders and securing suitable loan solutions.
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Bridge Loan Guides
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