USDA and FHA Pro and Con in Bakersfield, Kern County, CA
For the year 2025, 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.
2025 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.
Albank is Chicago's concierge business bank. We provide financial services with a personal relationship to commercial real estate clients, business owners, and community professionals. Founded in 1953, Albank is continuously highly rated with a solid financial condition, offering its business.
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full service community bank offering business and personal banking, commercial, real estate and mortgage loans, trust and international services. We also offer a broad range of electronic banking services from online banking and bill pay to ATM/Debit Cards and Mobile Banking. In addition to a high level of professional service.
