USDA Vs. FHA your options comparison in Bear-Valley-Springs, Kern County, CA
In 2026, the USDA loan limit in Bear-Valley-Springs, located in Kern county, CA is $291,100, while for a single-family home, the FHA limit is $356,362.
Use the Lendersa® USDA loan calculator to assess today's optimal USDA versus FHA rates and determine necessary income, credit, reserves, and required documents for qualification. Our advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial needs in Alabama.
2026 Loan Limits and Required Down Payments in Bear-Valley-Springs, Kern, CA
Loan Type
Loan Limit
Down Payment
USDA
$291,100
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Bear-Valley-Springs, CA
Lendersa® aims to offer you the best possible USDA or FHA loan quickly and effortlessly. Choose from three options to match with lenders and USDA loan programs.
A USDA home loan, also referred to as a rural development loan or USDA mortgage, is a government-backed loan by the Department of Agriculture, designed for rural neighborhoods only. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans require no down payment.
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East Idaho Credit Union was founded in 1935 under the name Idaho Falls U.S. Government Employees Federal Credit Union. In 1963, the name was changed to East Idaho Federal Credit Union and in 1998 became East Idaho Credit Union. Today, it remains one of the oldest Credit Unions in Eastern Idaho. Of the sixteen credit unions started in 1935,
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