USDA and FHA Pro and Con in Bloomington, San Bernardino County, CA

For the year 2026, the USDA loan cap in Bloomington, found within the county of San Bernardino, CA, is set at $776,600. Meanwhile, the FHA loan limit for a single-family home reaches $1,089,300.

The Lendersa® USDA loan calculator allows you to compare today's top USDA and FHA rates, helping determine the income, credit score, reserves, and documentation necessary to qualify. With our comprehensive mortgage calculator, you can analyze the USDA, FHA, Conforming, and VA options side by side, aiding you to find the most suitable program in Alabama for your financial situation.

Explore loan offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Bloomington, San Bernardino County, CA

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Discover USDA and FHA Loan Options in Bloomington, CA

The mission of Lendersa® is to swiftly connect you with the most suitable USDA or FHA loan. Choose from three starting points designed to match you with lenders and USDA loan options.

Lendersa USDA loan request and matching results

Defining the USDA Loan in CA

A USDA home loan, also known as a USDA mortgage or USDA rural development loan, is backed by the government's Department of Agriculture for rural areas exclusively. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans need no down payment.

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



  • Orlando Credit Union
  • 945 South Orange Avenue, Orlando, FL, 32806
  • We believe in offering a better banking alternative. Because Orlando Credit Union is a not-for-profit financial cooperative, our earnings go back into the credit union to be able to offer competitive rates on savings and loan products, and lower fees than other financial service providers.
  • Priority Credit Union
  • 301 East Michigan Street, Orlando, FL, 32806
  • The mission of PCU is “To foster the growth of our employees & as a team, deliver financial advice & products to the people of our community for each stage of lives” & with years of history combined with a bright future the delivery of dreams seems to continue.We are committed to a set of core values that ensures a member-centric business focus.
  • America's Money Source
  • 2306 Curry Ford Rd, Orlando, FL, 32806
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • St. John United Federal Credit Union
  • 184 Goodell Street, Buffalo, NY, 14204
  • The St. John United Federal Credit Union is a Community Development Credit Union (CDCU) a financial cooperative, owned by it’s members who live, work, worship or attend school in the city of Buffalo, NY. This credit union exists for the financial benefit of the membership and the community at large
  • Mosaic Federal Credit Union
  • 31 S Carlton Street, Harrisonburg, VA, 22801
  • Mosaic Federal Credit Union has been open since 1986. The credit union has assets totaling $14.2 Million and provides banking services to more than 4, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
  • Niagara Wheatfield Federal Credit Union
  • 2346 Saunders Settlement Road, Sanborn, NY, 14132
  • The Niagara Wheatfield Federal Credit Union was chartered by NCUA on October 28th 1960. Our original charter was for employees and elected members of the Board of Education of the Niagara Wheatfield Central School District #1 who worked in Niagara County, New York; employees of the credit union; members of their immediate families.
  • Alliance Niagara Federal Credit Union
  • 3111 Saunders Settlement Road, Sanborn, NY, 14132
  • The purpose of the Federal Credit Union shall be to provide its members quality financial services consistent with cooperative principles, applicable legislation and prudent management. The Credit Union shall serve its members by striving to: Facilitate the accumulation of member savings, Provide diverse financial services.
  • Cattaraugus County Bank
  • 120 Main Street, Little Valley, NY, 14755
  • We're locally owned and operated. So we support our community, including the small businesses here in upstate New York. We offer many different commercial loans, checking and savings accounts to make sure your business has what it needs to succeed. Our commitment is best expressed in the different products and services we offer our customers.
  • Aero Capital Funding, Inc
  • 109 N. Beaumont Avenue, Kissimmee, FL, 34741
  • 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.