FHA VS Conventional loan in Twentynine-Palms, San Bernardino County, California

In 2026, the conventional loan limit in Twentynine-Palms, San Bernardino County, CA, stands at $647,200, whereas the FHA limit is $562,350 for a single-family home.

Take advantage of the Lendersa® Conventional loan calculator to evaluate today's best rates among Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you see the Conforming Conventional loans, USDA, FHA, and VA side by side, assisting in deciding which program in CA suits your financial situation best.

Compare offers from a set of 100 lenders

2026 Loan Limits and Downpayment Requirements in Twentynine-Palms, San Bernardino County, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $381,800 0%
FHA $562,350 3.5%

This comparison table is applicable to these zip codes: 92277

Conventional and FHA Loan Options in Twentynine-Palms, CA

The mission of Lendersa® is to secure for you the optimal Conventional, USDA, or FHA loan quickly and without hassle. You can select one of three starting points that result in matching lenders with loan programs.

Lendersa USDA loan request and matching results


  • Beam Lending
  • 1086 E Hwy 193, Suite 102, Layton, UT, 84040
  • Beam Lending was established with you in mind. We focus our efforts on delivering great customer service and competitive interest rates. Over the years, we have been able to help countless clients finance a place they can call home. We are confident that we can provide a home loan solution for you, no matter your situation.

  • RPM Lending
  • 526 Sun Ranch Village Loop, Los Lunas, NM, 87031
  • We are one of the only few locally owned mortgage brokers in New Mexico. We are passionate over our clients, to us, it’s more than just buying a house, it’s a home, where lasting memories will be made. Our goal and motto is to turn our clients into friends and neighbors with our service, care and expertise.

  • Alta Mortgage Group
  • 4824 South 6150 West, Hooper, UT, 84315
  • At Alta Mortgage Group, 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 from the many mortgage options.

  • High Desert Home Lending
  • 6417 Pojoaque Dr, Albuquerque, NM, 87120
  • High Desert Home Lending, LLC is a brokerage firm serving the Southwest from our Albuquerque, New Mexico office. We are locally owned and operated and specialize in residential mortgage lending. We are proud to offer personal service. We focus on understanding your needs and goals to create a loan program that fits you perfectly.

  • Premier Mortgage Advisors LLC
  • 6330 Riverside Plaza Lane Northwest, Suite 175, Albuquerque, NM, 87120
  • Premier Choice Mortgage is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. We see people such as yourself being so enthused with the process and service we provide that you will become a raving fan for us, telling stories to people of what you just experienced.

  • NewCastle Mortgage
  • 6260 Riverside Plaza Ln NW, Albuquerque, NM, 87120
  • 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.

  • Catalyst Lending of New Mexico
  • 1005 21st St SE, Suite 9, Rio Rancho, NM, 87124
  • A bit about us, so you'll feel more at home working with our team. Getting a home loan is an exciting (and sometimes overwhelming) time in your life. We are proud to work with you as an integral part of these moments. Regardless of your unique needs we bring all the right elements together to create a positive solution for your home loan

  • Augusta Mortgage, Inc.
  • 5145 South Airport Road, Suite 300, Roy, UT, 84067
  • We offer discrete and dependable consulting for all aspects of your real estate needs. Our team of highly qualified employees is available day and night to guarantee you the best possible service. We’re sure they’ll be able to help you with whatever problems you may have. We do NOT get "beat" whether it is product, pricing, or service.

  • Day Financial Services, Inc.
  • 3568 W 4800 S, Suite B, Roy, UT, 84067
  • Day Financial Services, Inc. has been doing buisiness since 1994. Our experienced staff will help you with any and all mortgage needs. And also Day Financial Services, Inc. Is a full service mortgage broker. We offer First Time Homebuyer, Purchase, New Construction Refinances, Rural Housing, Debt Consolodiation, Reverse Morrgages, Equity and FHA

  • Rio Grande Federal Credit Union
  • 760 Rood Avenue, Grand Junction, CO, 81501
  • Rio Grande Federal Credit Union is a full-service financial institution, proudly serving the daily financial needs of over 4600 members. As a member-owned, not-for-profit company, our earnings go back to members in the form of more favorable rates on loans and credit cards as well as lower fees for banking products and services.