For the year 2025, 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
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| Loan Type | Loan Limit | Down payment |
| USDA | $381,800 | 0% |
| FHA | $477,250 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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