USDA Vs. FHA your options comparison in Big-Bear-City, San Bernardino County, CA

In 2025, USDA loan limit in Big-Bear-City, county of San Bernardino, CA is $381,800 while FHA limit is $477,250 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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2025 loan limits and downpayment requirments in Big-Bear-City, county of San Bernardino, CA

Loan Type Loan Limit Down payment
USDA $381,800 0%
FHA $477,250 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Big-Bear-City, 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.

Lendersa USDA loan request and matching results

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.

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



  • Iron Point Mortgage
  • 2130 E. Bidwell Street, Suite 110, Folsom, CA, 95630
  • At Iron Point Mortgage, our business is helping clients get the right residential financing for both new home purchase and refinance mortgages. Our passion, is providing the education and guidance so you’ll understand the process, how to plan for the future, take advantage of available opportunities, and build long-term wealth through Real Estate.
  • Lake Tahoe Mortgage LLC
  • 899 Tahoe Boulevard, Suite 500, Incline Village, NV, 89451
  • Lake Tahoe Mortgage provides residential mortgage loan origination services throughout all of Nevada and California. Our team is made up of knowledgeable and friendly loan officers with years of experience in the mortgage industry. We take the time to talk to you one-on-one, listen to your concerns
  • Metro Financial and Realty
  • 9521 Folsom Boulevard, Suite O, Sacramento, CA, 95827
  • We specialize in home loans. We have every loan product available to suit our client’s needs. We are competitively priced to ensure a great mortgage but service and knowledge to complement your experience.Metro Financial Services is not just here for your one transaction but we strive to earn your continuing relationship.
  • Allequities Funding
  • 3811 Florin Road, Suite 3, Sacramento, CA, 95823
  • This is a new and innovative home ownership program that allows qualified home buyers to buy homes with 1% down payment. You may have owned a home before and are presently renting, or maybe you are a first time home buyer and need a way to break into the housing market but are holding back.
  • Allgenes Home Loans
  • 6747 Stockton Boulevard, Suite B, Sacramento, CA, 95823
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Metropolitan Bank
  • 250 East 18th Street, Oakland, CA, 94606
  • Our goal to provide our customers with the best community banking experience possible. Where other banks have devised new and inventive ways to deal with their customers at an arms length, we remain committed to the idea that bank-customer relationships should be personal. We make an effort to know you, our clientele, and adapt our service.
  • Bridgepoint Funding, Inc.
  • 3478 Buskirk Avenue, Suite 1000, Pleasant Hill, CA, 94523
  • Bridgepoint Funding is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you.
  • United Home Mortgage Corporation
  • 2300 Contra Costa Boulevard, Suite 315, Pleasant Hill, CA, 94523
  • UHM is the first USA mortgage brokerage in Dubai. United Home Mortgage was founded in California in 1994 . Since then the company has earned an outstanding reputation in the marketplace with its clients, financial institutions and banks. The foundation of UHM is unwavering stance on conducting business with the highest ethical standards.
  • Bay Area Integrity Mortgage
  • 391 Taylor Blvd, Suite 110, Pleasant Hill, CA, 94523
  • We are proud to assist both new and existing homeowners with providing all financing options and solutions at our disposal. Whether you are purchasing a new home or need to refinance your existing loan, our commitment is providing the best loan programs and lowest possible interest rates to suit your needs.
  • Financial Network Funding Group Inc
  • 367 Civic Drive, Suite 1, Pleasant Hill, CA, 94523
  • At Financial Network Funding Group, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Advisor Funding Group
  • 3478 Buskirk Avenue, Suite 1001, Pleasant Hill, CA, 94523
  • "We are committed to work with you and find the best alternative financial mortgage product to achieve your goal of homeownership. In these times of uncertainty where trust is an important factor at AFG we strive for excellence and building your trust as our long time client. We have the product, knowledge and right attitude to provide the result
  • Argus Lending
  • 3478 Buskirk Avenue, Suit 262, Pleasant Hill, CA, 94523
  • Argus provide the best lending experience possible, and quick loan processing is our forte. With company wide principles based on customer experience, cutting edge lending software, and efficient lending teams.and also we provide a lending experience hard to find elsewhere in the industry. It takes a great team to build the right loan