FHA VS Conventional loan in Taft, Kern County, California

In 2026, the Conventional loan limit in Taft, part of Kern county, CA is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to evaluate today's top rates for Conventional vs. FHA vs. USDA loans. Discover the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA, aiding your decision on the best program in CA for your financial needs.

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2026 Loan Limits and Down Payment Requirements in Taft, Kern, CA

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

This comparison table is applicable to the following zip codes: 93252

Conventional and FHA Loan Options in Taft, CA

The goal of Lendersa® is to secure the most advantageous loan, whether it's Conventional, USDA, or FHA, quickly and with ease. Choose one of the three starting points to connect with matching lenders and loan programs.

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Taft Lenders

  • San Joaquin Valley Mortgage
  • 8501 Camino Media, Suite 400, Bakersfield, CA, 93311
  • Lends in California
  • We're a local company providing mortgage loan products fit to your individual needs. We have a variety of different loans available, and have something for everyone! We can complete your FHA, conventional, VA, or private money loan transaction quickly, and we make the process easy!

  • Level One Financial
  • 1620 Mill Rock Way, Suite 100, Bakersfield, CA, 93311
  • Lends in California
  • We are a mortgage broker located in Bakersfield, CA. As a mortgage broker, we work with many different lenders which allows us to give you the most competitive rates & many different loan programs to tailor your specific needs.Our Integrity radiates through maintaining high standards, sticking to our word & providing a culture of honesty & hard wor

  • Oxford Priority Mortgage Inc.
  • 5118 Winter Pasture Avenue, Bakersfield, CA, 93313
  • Lends in California
  • 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.

  • Dream House Lending
  • 5001 California Ave, Suite 218, Baskersfield, CA, 93309
  • Lends in California
  • Dream House Lending is the place for you. We make it easy and fast to get pre-approved for your loan. You can apply online or over the phone in just minutes, so there’s no reason not to! Plus, we have a network of lenders that are ready to help you.

    Our lenders will work with you every step of the way – from finding out what kind of home loan wo

  • Cornerstone Mortgage
  • 4560 California Ave, Suite 300, Bakersfield, CA, 93309
  • Lends in California
  • Cornerstone Mortgage is a locally owned and operated company with over twenty five years of experience in the lending industry. We offer a variety of loan products to fit our client’s specific needs. Each client is different and their lifestyles require special planning. We are dedicated to helping our clients choose the right loan.

  • Gem Mortgage
  • 1200 Discovery Drive, Ste. 300, Bakersfield, CA, 93309
  • Lends in California
  • GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for nearly 30 years. The GEM business philosophy holds true that all consumers deserve access to credit, where “our customers are our business” is the cornerstone for excellence.

  • Clarity Home Loans
  • 5060 California Ave, Suite 1090-F, Bakersfield, CA, 93309
  • Lends in California
  • The Clarity Home Loans Team is committed to providing clients with the highest quality home loans combined with some of the most competitive mortgage rates available in all of California. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage

  • Agape Mortgage
  • 5001 California Avenue, Suite 200, Bakersfield, CA, 93309
  • Lends in California
  • Agape Mortgage provide you the best information to help you decide to purchase or refinance your personal home, vacation home or investment property. You can trust us to help you find the loan program that is best for you and your family, according to your goals.The loan process can be a source of anxiety.

  • Equity 1 Loans
  • 5405 Stockdale Hwy. #108, Bakersfield, CA, 93309
  • Lends in California
  • Equity Loans (hard money). We are a direct equity lender operating in the Bakersfield area since 1980. and therefor Equity 1 Loans has specializes in making cash, money loans, on homes, and manuf homes with lot and foundation, and residential income property for over 35 years.and also Equity Loans A+ rating from the Better Business Bureau

  • The Money Store
  • 5201 California Ave, Suite 450, Bakersfield, CA, 93309
  • Lends in California
  • MLD Mortgage Inc., dba The Money Store ® is a Full Service Mortgage Banker headquartered in Florham Park, New Jersey, and is licensed in 48 states across the country.Our focus is to provide highly competitive, responsible mortgage loans to everyday homeowners.For over 40 years, The Money Store® name has been synonymous with mortgage lending