FHA Vs. USDA loan program for Bakersfield, Kern County, California

In 2025, USDA loan limit in Bakersfield, 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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USDA and FHA loan options in Bakersfield, 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.

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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.

(205) 759-1595 1789 miles Lender's profile and map Reviews ALABAMA ONE 1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404 Alabama ONE was chartered in 1951 as the TRW Federal Credit Union. The name was changed to BF Goodrich Employees Federal Credit Union on July 18, 1973, and remained that through many years of growth and prosperity. In early 2001, BF Goodrich Employees Federal Credit Union was granted the status of a Community Credit Union.
3179082882 1789 miles Lender's profile and map Reviews Richardson TRG Co 3007 Posada Court, Spring Hill, TN, 37174 "Empower your property investments with TRG, a dynamic hard money lender. Specializing in rapid, flexible financing for fix-and-flips, rentals, and commercial ventures, we offer competitive rates and fast approvals. Partner with TRG for a seamless, profitable real estate experience. Contact us to unlock your potential today!"
(615) 587-5360 1789 miles Lender's profile and map Reviews American Mortgage Group, LLC 1414 Gray Fox Lane, Spring Hill, TN, 37174 American Mortgage Group, LLC is family-owned and operated right here in Spring Hill, TN. Since our company opened its doors in 2005, Richard Mitchell and associates have treated every customer like they were a part of our family. American Mortgage Group is committed to helping you find the right home loan mortgage product for your needs.
(615) 741-2142 1789 miles Lender's profile and map Reviews Tennessee Employees Credit Union 220 French Landing Drive, Nashville, TN, 37228 Tennessee Employees Credit Union has been open since 1993. The credit union has assets totaling $31.01 Million and provides banking services to more than 3, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans.
(615) 749-6461 1789 miles Lender's profile and map Reviews Parthenon Federal Credit Union 2204 Rosa L Parks Boulevard, Nashville, TN, 37228 Parthenon Federal Credit Union was chartered in 1942 to serve the employees and families of the United Methodist Publishing House. Today, Parthenon Federal Credit Union has a community charter to service anyone (and their families) who works, lives or worships in the Nashville metro center area where we are located.
(615) 425-7171 1789 miles Lender's profile and map Reviews Pathway Lending 201 Venture Circle, Nashville, TN, 37228 Our Mission is To provide lending solutions & educational services that supports the development, growth, & preservation of underserved small businesses, affordable housing, & sustainable communities. We are financing businesses and strengthening communities. We have developed a range of financial products-including loans for financing business.
(615) 251-0025 1789 miles Lender's profile and map Reviews Affordable Housing Resources 50 Vantage Way, Suite 107, Nashville, TN, 37228 Affordable Housing Resources, Inc. (AHR) is a non-profit organization whose mission is to create affordable housing & strong neighborhoods. For over 30 years, AHR has been laying a foundation for successful homeownership for Middle Tennessee’s workforce. AHR is committed to providing homeownership opportunities for low-to moderate-income families
(615) 915-2957 1789 miles Lender's profile and map Reviews VOULUNTEER MORTGAGE GROUP 1 Vantage Way, Suite E240, Nashville, TN, 37228 Volunteer mortgage Group are a located in Nashville, TN. We are licensed in TN, MO, AL, FL, IL, SC, VA, CA, WI, IN, and GA. We specialize in home purchase, home refinance, Reverse Mortgages, First Time Home Buyer programs. Our goal is to offer the best rates and lowest mortgage payments in minutes.
(615) 327-9787 1789 miles Lender's profile and map Reviews Citizens Savings Bank and Trust Company 1917 Heiman Street, Nashville, TN, 37208 As a CDFI, Citizens Bank puts its communities first and values local economic growth. It does so by investing in areas underserved by the traditional banking sector, engaging in lending that supports affordable housing, small businesses and community facilities, and providing technical financial assistance to its customers.
(615) 922-2949 1789 miles Lender's profile and map Reviews Market Place Mortgage of TN LLC 1307 2nd Avenue North, Nashville, TN, 37208 Marketplace Mortgage of TN, LLC is a premier mortgage lender in Nashville, combining national strength with southern hospitality. We are proud to be one of the best mortgage lenders in the Middle Tennessee area. We happily serve clients in Nashville, Murfreesboro, Hermitage, Clarksville, and more.