In the year 2026, the USDA loan limit for the city of Apple-Valley, located in San Bernardino County, CA, is $381,800, whereas the FHA limit for a single-family home stands at $477,250.
Use the Lendersa® USDA loan calculator to compare the current best USDA and FHA rates, and discern the income, credit, reserves, and documents needed to qualify. Our state-of-the-art mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, guiding you in choosing the right program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $381,800 | 0% |
| FHA | $477,250 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is committed to finding you the ideal USDA or FHA loan swiftly and with ease. Choose one of three options to pair you with lenders and specific USDA loan programs available.
A USDA home loan, guaranteed by the government through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans have no down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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