During 2025, the FHA loan limits in Bear-Valley-Springs county, part of Kern, CA, are set at $356,362 for a single-family dwelling, climbing to $456,275 for duplexes, $551,500 for triplexes, and $685,400 for four-unit structures.
Conventional loan maximums for a single-family home are capped at $548,250. The limits increase to $702,000 for properties with two units, $848,500 for those with three units, and reach $1,054,500 for four-unit housing.
To find the optimal FHA rates for today, use our FHA calculator. It helps you ascertain the necessary down payment, income levels, credit score, reserve funds, and required documentation.
The Lendersa® calculator is a robust tool that lets you weigh FHA rates and terms against a variety of other loan programs, including Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans. These resources allow for comprehensive exploration.
Lendersa® offers a streamlined process where it performs a rapid comparison of extensive lender data with your precise financial requirements, providing tailored loan program options in mere moments.
The Loan Limits Comparison Table for 2025 in the county of Bear-Valley-Springs, Kern, CA, facilitates comparing limits across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an in-depth comparison of requirements like income, reserves, and credit scores, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $291,100 | $291,100 | $291,100 | $291,100 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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