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

In 2025, the USDA loan limit in Big-Bear-Lake, located in San Bernardino county, CA is $381,800, while the FHA limit for a single-family home is $477,250.

Utilize the Lendersa® USDA loan calculator to compare today's competing USDA vs. FHA rates. Assess the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side-by-side, aiding in your decision of which program best suits your financial needs in Alabama.

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2025 Loan Limits and Down Payment Requirements in Big-Bear-Lake, 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-Lake, CA

The aim of Lendersa® is to quickly connect you with the most favorable USDA or FHA loan options without hassle. Choose one of the three initial approaches to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, also known as a USDA rural development loan or mortgage, is a government-guaranteed loan provided by the Department of Agriculture, available only in rural neighborhoods. Contrary to FHA loans demanding a 3.5% down payment, USDA loans require no down payment.

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



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