USDA and FHA Pro and Con in Arvin, Kern County, CA

In 2025, USDA loan limit in Arvin, county of Kern, CA is $345,100 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Arvin, county of Kern, CA

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

USDA and FHA loan options in Arvin, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Harry H Horning Financial Services
  • 8721 Plantation Lane, Suite 201, Manassas, VA, 20110
  • Harry H. Horning Financial Services was founded with the goal of guiding our clients in every aspect of their financial lives in order to help them achieve financial confidence and independence. We are dedicated to you, our client. We work one on one with you to analyse your financial situation, determine a best course of action.
  • Dominion First Mortgage Corporation
  • 9431 Main St, Manassas, VA, 20110
  • Dominion First Mortgage was founded in 1995 in Manassas Va. Our incredible staff has closed over 1 Billion dollars in loans mostly in the Northern Virginia counties of Fairfax, Prince William, Loudoun and Arlington. Because of our local knowledge we make the loan process much simpler for our borrowers.
  • Bluestone Home Loans LLC
  • 14382 Flourcastle Court, Centreville, VA, 20120
  • Bluestone Home Loans LLC was created to better serve the needs of the customer. Our founder, Matt McMahon, learned the business as a loan officer at a large regional bank. He valued his time there and worked with many outstanding individuals. Bluestone Home Loans is exclusively a Virginia mortgage brokerage.
  • St Michael Mortgage LLC
  • 5381 Lavender Mist Court, Centreville, VA, 20120
  • St Michael Mortgage LLC Is to provide exceptional service at competitive pricing to those in need of mortgage Loans, refinancing, and consulting services, ensure our clients’ needs are met, and respect and hold dear the client base that ensures our successful future and also We are a for profit company in the practice of mortgage.
  • ServU Credit Union
  • 9823 Science Center Drive, Painted Post, NY, 14870
  • ServU Federal Credit Union is a full service financial alternative to a bank. As a member owned financial cooperative, credit unions are not-for-profit. They function to serve their membership. As a result, credit unions are able to pay back higher dividends on savings and charge lower interest on loans. Money that is made by the credit union
  • Justice Federal Credit Union
  • 5175 Parkstone Drive, Suite 200, Chantilly, VA, 20151
  • The Justice Federal Credit Union Foundation was founded with a mission to offer programs and engage in charitable activities that promote education, recognize professional excellence and caring for others, reduce hardship, and improve the lives of Justice Federal Credit Union Members
  • DMV Home Funding, LLC
  • 14151 A Robert Paris CT, Chantilly, VA, 20151
  • At DMV Home Funding, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Freedom Bank
  • 4211 Pleasant Valley Road, Chantilly, VA, 20151
  • Freedom Bank strives to provide compelling ideas, relevant financial products and exceptional service to our clients in the way they wish to be served. We concentrate on industry verticals to deliver unique, sector-specific solutions and have market executives to engage local businesses and communities.
  • Empower Home Mortgage LLC
  • 4200 Pleasant Valley Road, Suite A, Chantilly, VA, 20151
  • Empower Home Mortgage, our mission is simple. Whether you are purchasing a new home or refinancing, we want to ensure that you feel comfortable with the process and are at ease. Our experienced mortgage professionals will guide you step by step through the process and keep you informed throughout.
  • UNITED MORTGAGE CORPORATION
  • 4080 Lafayette Center Drive Suite 100, Chantilly, VA, 20151
  • United Mortgage Corporation has provided industry-leading mortgage services and helped countless home buyers and homeowners find financing solutions to meet their needs. Our reputation is based on building and maintaining relationships that last long after you get the keys to your home or complete your refinance.