For the year 2026, the USDA loan cap for a single-family residence in Bakersfield, situated in Kern county, CA, is set at $345,100. The FHA loan limit, by contrast, is $472,030.
Leverage the Lendersa® USDA loan calculator to evaluate the current best rates for USDA versus FHA loans. This tool helps you assess the income, credit, reserve requirements, and necessary documents for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options together, ensuring you can choose the program in
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| Type of Loan | Cap on Loan | Minimum Down Payment |
| USDA | $345,100 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to help you secure a USDA or FHA loan efficiently and effortlessly. You can initiate the process from three alternative starting points that lead to lenders and suitable USDA loan programs.
The USDA home loan, backed by the U.S. Department of Agriculture, is known as a USDA rural development or USDA mortgage loan, specifically available in rural locales. Unlike FHA loans which require a minimum 3.5% down payment, USDA loans offer the advantage of requiring no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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