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

For the year 2026, the USDA loan limit in Big-Bear-City, found in the county of San Bernardino, CA, is set at $381,800, whereas the FHA limit for a single-family home stands at $477,250.

Utilize the Lendersa® USDA loan calculator to pit today's USDA and FHA rates against one another, and assess the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side-by-side, facilitating the decision about which program in best fits your financial situation.

Review loan offers from a variety of 100 lenders

Loan limits and downpayment details for 2026 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%

Exploring USDA and FHA loan alternatives in Big-Bear-City, CA

Lendersa® aims to swiftly pair you with the finest USDA or FHA loan options without any hassle. Choose one of the three starting paths to find suitable lenders and USDA loan programs.

  1. Submit the ultimate USDA/FHA loan request optimization
  2. Discover USDA and FHA rates & terms initially
  3. Access a vast directory of USDA loan lenders
Lendersa USDA loan request and matching results

An Insight into the USDA Loan in CA

Known as a USDA rural development loan or USDA mortgage, this government-backed loan by the Department of Agriculture is provided exclusively for rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, the USDA mortgage loan comes with no down payment obligation.

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  • FOXTROT MORTGAGE, LLC
  • 166 Allendale Rd., Suite 6, King Of Prussia, PA, 19406

  • As a residential mortgage broker, we do the research for you by shopping multiple investors to get you the best rate and program that will best suit your particular needs. As your trusted mortgage advisors with over 60 years of combined experience, we are well equipped to help you with first-time buyer programs like FHA and VA,

  • The Mortgage Professionals LLC
  • 122 East First Street, Wind Gap, PA, 18091

  • A mortgage broker has the ability to tailor a loan program to meet your personal needs. We offer a variety of rates from multiple lenders. Different investors have a need for money or loans at a certain loan term from time to time. One bank may be very aggressive on a 15 year loan today while another is looking for 30 year paper.

  • ESSA Bank & Trust
  • 200 Palmer Street, Stroudsburg, PA, 18360

  • ESSA Bank & Trust (ESSA) was established in 1916 when Mr. John Gish founded the East Stroudsburg Building & Loan Bank in East Stroudsburg, PA. A number of strategic mergers during the early years resulted in a name change to East Stroudsburg Savings Association. As a result, by 1971, assets had grown to $20 million dollars

  • NE PA Community Federal Credit Unio
  • 337 Clay Avenue, Stroudsburg, PA, 18360

  • NE PA Community Federal Credit Union’s mission is to provide the best banking experience for our members. Established in 1960, NE PA is always striving to deliver great rates, innovative financial products and services, and unbeatable member service.
    Serving Monroe and Pike Counties since 1960. Federally Insured by NCUA. Equal Housing Lender.

  • QNB Bank
  • 15 North Third Street, Quakertown, PA, 18951

  • QNB will help you achieve your goals by providing a total financial relationship built upon exceptional personal service and a sincere interest in your success. Our Customers always come first and perceive the Bank as a trusted resource in achieving their financial goals. QNB takes pride in being one of the few surviving independent banks in Bucks.

  • Special Metals Federal Credit Union
  • 4340 Middle Settlement Road, New Hartford, NY, 13413

  • Special Metals Federal Credit Union, located at 4340 Middle Settlement Rd, New Hartford, N.Y, is proud to be in its 51st year of serving its membership! Chartered in 1961, our asset size has grown to $13 million over the years. We serve almost 1200 members, including employees of Special Metals, retirees, and family members of employees.

  • GPO Federal Credit Union
  • 4311 Middle Settlement Road, New Hartford, NY, 13413

  • GPO Federal Credit Union is proud to be one of the area’s largest credit unions, serving more than 30, 000 members from Oneida, Herkimer, Madison Counties and beyond. As a credit union, we are a not-for-profit, member-owned financial cooperative. At GPO, our mission statement is simple, ‘Our Focus is You’. We aim to serve our members.

  • First Source Federal Credit Union
  • 4451 Commercial Drive, New Hartford, NY, 13413

  • First Source Federal Credit Union is dedicated to helping people Live Smarter, offering financial services and education to improve the quality of life of their Members and the communities they serve. Founded in 1938, First Source is a not-for-profit, Member-owned financial cooperative with branches in New Hartford, North Utica, South Utica, Rome,


  • Financial Access
  • 440 Auburn Court, Souderton, PA, 18964

  • Financial Access, LLC is an established Pennsylvania (PA) mortgage broker founded in 2004 steadily serving a broad spectrum of client’s needs to attain a successful purchase or refinance loan. In accordance to the Pa law, Financial Access, LLC is licensed by the Pennsylvania Department of Banking and Securities

  • Time Mortgage & Finance LLC
  • 1008 Addison Lane, Souderton, PA, 18964

  • Time Mortgage and Finance LLC is a company that provides services in residential and commercial loans. Buying a house is one of the biggest purchases in one’s life, and we believe the experience should be as simple and memorable as possible. With the help of an expert from Time Mortgage,

  • Rehab Financial Group
  • 1062 Lancaster Avenue, #15c, Bryn Mawr, PA, 19010

  • Loaning 100% of purchase & 100% of rehab on 1-4 unit properties (including mixed-use props) in 18 states for 650+ FICO borrowers (even inexperienced). When the property is purchased via a wholesaler, we Lend 100% of the wholesaler assignment fee as long as the A to B contract price and the assignment fee doesn't exceed the AS IS value. Also lending

  • Verge Funding Group
  • 610 Old Lancaster Rd, Bryn Mawr, PA, 19010

  • Verge Funding Group is a women-owned business in Bryn Mawr, PA that helps businesses gain access to working capital for their day-to-day operations and growth. When banks say no, we say yes.We offer honest and transparent financial solutions with exceptional customer service and support.
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