USDA and FHA Pro and Con in Bakersfield, Kern County, CA
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 that aligns with your financial scenario.
2026 Loan Maximums and Down Payment Requirements in Bakersfield, Kern, CA
Type of Loan
Cap on Loan
Minimum Down Payment
USDA
$345,100
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Opportunities in Bakersfield, CA
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.
3800 Holcomb Bridge Road Suite A,, Peachtree Corners, GA, 30092
Tap Money is a family-owned business invested in our local community to help homebuyers and homeowners through the homebuying or renovating process. Over the years, we’ve trademarked ourselves in Norcross and more broadly around Atlanta as the residential real estate professionals who provide personalized service to families in the area.
MS Home Mortgage is a mortgage lending company in Georgia that partners with wholesale lenders and investors from across the country. We help clients by offering them the right mortgage products and providing them with exceptional services to approve and close their loans quickly.
Over 100 years ago, the Bay Port State Bank of W.H. Wallace and Company was established to serve the financial needs of the area. Bay Port State Bank is proud to be part of this growing community and looks forward to many more years of service. Bay Port State Bank Shall always be mindful of the need to increase shareholder value.
first-federal.com is a referral service that connects people with lenders. Therefore, the lenders aprove your requests for a payday loan and transfer funds. Our website is an option to submit yor application online to many lenders at once. They offer small amounts, clear interest rates, and instant processing.
401 South Old Woodward Avenue, Suite 333, Birmingham, MI, 48009
So, this is how we roll — you are dealing directly with me, Keith Lewis and my assistant Angela on every transaction and we have been in the mortgage business together since 1996. Wow, that is a long time. We help guide you through an extremely complicated process seamlessly and in a manner that is best for your lifestyle.
Swift, it’s not just about what we do, but why we do it. With over 30 years of Mortgage experience, our mission is to ensure a trustworthy and tailor-made mortgage solution each and every time.We are firm built on old school values with a new age way of operating. By leveraging technology
Best Rate is a Michigan-based mortgage company specializing in home loans and mortgage refinancing with historically low interest rates. Fadi as a mortgage broker in Michigan for every single one of our clients is to have an experience so good that you can’t wait to tell your friends and family about us.
191 North Old Woodward Avenue, Suite 300, Birmingham, MI, 48009
Loan X Mortgage team has a consistent history in the mortgage industry of closing loans very quickly and efficiently at the exact requirements of the client and also Loan X has all the necessary tools to service you and help achieve your goals. We believe simplicity is key to every transaction because our clients.
Securing a home or business mortgage is a harrowing process. The search for a quality mortgage broker and lender is like going in circles through a revolving door, with no end in sight. Your search is over. Open your door of opportunity at BANCO Mortgage Centre. We're located in downtown Birmingham, MI, which is a part of the greater Detroit area.
Century Mortgage Lending was founded over 20 years ago in Birmingham, Michigan to assist people in building their wealth through mortgage management strategies. We have 50+ years of experience in business and banking and work with many lenders to find our clients the best deals. Our goal is to make sure our your best interest served.
