USDA Vs. FHA your options comparison in California-City, Kern County, CA
As of 2026, the USDA loan limit for California-City in Kern, CA is $291,100, whereas the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare today’s leading USDA and FHA rates and to determine the necessary income, credit, reserves, and documentation to qualify. Through our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side-by-side, helping you pick the most suitable program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in California-City, Kern, CA
Loan Type
Loan Limit
Down Payment
USDA
$291,100
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in California-City, CA
Lendersa® aims to quickly secure you the optimal USDA or FHA loan with ease. Choose from three starting points to find matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, known as a USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans demand no down payment at all.
"PAUL BERGERON REAL ESTATE stands out among the pack of Marin County Real Estate brokers in his extensive experience and his emphasis on personal attention and professionalism.
Paul, a member of the Sausalito Floating Home Community since 1985, has owned more than 20 floating homes an amassed a broad knowledge of the marinas"
At Bankers Lending Group you can Bank on our commitment to you and the community. Through our resources, experience and knowledge of lending we give it our all to make loans fund. With over 42 years of combined experience we have helped thousands achieve the American dream!
We love to give back to the community that gives us so much
At Alpha Omega Mortgage. We are a full-service mortgage company based in Davis, CA. We specialize in FHA, First Time Home Buyer, Jumbo in Davis. We also serve the surrounding cities in Yolo County. Whether you are buying a home or refinancing in our around zip code 95616. we can help you realize your dream of home ownership
We are a mortgage lender, mortgage banker, direct lender . We process, underwrite and fund loans. Our top priority is to help you make an informed decision by presenting all available options. We offer exceptional customer service, superior loan processing times, competitive mortgage rates, extensive mortgage product offerings
190 S. Orchard Ave, Suite B-115, Vacaville, CA, 95688
We were one of the first Mortgage Brokers in Vacaville. With over 30 years of experience, our specialty is offering products that others cannot and we have competitive rates to ensure satisfaction. Brokers in Vacaville. With over 30 years of experience, our specialty is offering products.
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McGuire Capital Group has worked with borrowers and investors throughout Solano County and the surrounding area for over 30 years to offer fast private money financing to qualified clients. Our local and in-depth operations allow us to develop strong, lasting relationships built on trust and individual needs.
"We are a residential and commercial brokerage with the core focus of ""to serve those who serve.""
Our passion and driving force is to provide exceptional home loans to all California citizens. With that being said, we have partnered with the top portfolio in private wholesale mortgage divisions."
Mitchell Mortgage has been serving the home loan needs of our clients in Napa, California for over 24 years. In addition to the beautiful Napa Valley, we are now also located in the lovely communities of Davis and Woodland, California to better serve the residents of Yolo County and the Sacramento region.
110 Gateway Dr #130 Lincoln, CA, Lincoln, CA, 95648
Tobias Mortgage is one of the best mortgage Roseville Lending Company. We offer 30 years Term Mortgage Loan service as it is most desirable and makes it easy for you to repay a large amount of loan every month. From the past 13 years we are providing mortgage services to people who are unable to build a house due to lack of money.
