USDA Vs. FHA Pro and Con comparison in Chino, San Bernardino County, CA

In 2025, the USDA loan limit for Chino in San Bernardino county, CA, is $776,600, while the FHA cap for a single-family home is $1,089,300.

Utilize Lendersa®'s USDA loan calculator to compare today's USDA against FHA top rates and determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator lets you evaluate USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program in suited to your financial situation.

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2025 Loan Limits and Down Payment Requirements in Chino, San Bernardino, CA

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

Exploring USDA and FHA Loan Selections in Chino, CA

Lendersa® aims to efficiently secure the best USDA or FHA loan for you promptly. Choose from three starting paths to find matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, endorsed by the government Department of Agriculture, often called a USDA rural development loan or USDA mortgage, is offered exclusively in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA mortgages require none.

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



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  • The mission of Chivaho Federal Credit Union is to provide opportunities to build member wealth and security through affordable financial services, creating a stronger community. Chivaho is a non-profit organization owned and operated by its members. The birth of the Credit Union began with seven members contributing $5.00 each
  • Homeland Credit Union
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  • Homeland Credit Union. Homeland has provided financial services to generations of families. While we are proud of our past, we are excited about the opportunity to serve you and your family now and into the future."Credit Union. Homeland has provided financial services to generations of families.
  • Rabun County Bank
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  • Rabun County Bank is a hometown bank with a strong commitment to exceeding our customer’s expectations. We want to be the best. Our customers want to bank with the best. Our employees want to work for the best. Our shareholders want to own a part of the best. We will strive to be the best in all that we do.
  • Artesian City Federal Credit Union
  • 100 Flint Avenue, Albany, GA, 31701
  • Artesian City Federal Credit Union was founded in 1950 on the credit union principle of “people helping people”. For more than fifty years, we have existed solely for the purpose of serving our members’ best interests. This focus on members instead of profits allows us to offer a full range of financial services specifically designed.
  • Albany Community Together Inc
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  • Albany Community Together, Inc. (ACT!) was created in 1997 with the primary mission to create opportunities by helping low-wealth individuals who are not served or underserved by traditional financial institutions to build wealth through small business ownership and access to capital. ACT’s mission has evolved to building wealth
  • The First National Bank of Grayson
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  • Since 1902, First National Bank has been building and believing in relationships with one goal in mind -- bringing you the best community banking has to offer. First National Bank remains at the forefront, bringing you innovative and real solutions in the professional, customer-focused environment you deserve.
  • Bank of Monticello
  • 141 East Greene Street, Monticello, GA, 31064
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  • State Highway Patrol Federal Credit Union
  • 1900 Polaris Parkway, Suite 400, Columbus, OH, 43240
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