USDA and FHA Pro and Con in Barstow, San Bernardino County, CA

For 2025, the USDA loan limit in Barstow, San Bernardino, CA is $776,600, whereas the FHA limit is $1,089,300 for single-family homes.

Use the Lendersa® USDA loan calculator to compare current USDA and FHA rates, assessing income, credit, reserves, and necessary documents. Our mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side for an informed decision in .

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2025 loan limits and downpayment requirements in Barstow, San Bernardino, CA

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA loan options in Barstow, CA

Lendersa® strives to secure your ideal USDA or FHA loan swiftly and easily. Start with one of three options that lead to matching lenders and USDA programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in CA?

A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or mortgage, is available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans do not require any down payment.

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



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