USDA VS FHA 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.

Examine offers from 100 lenders

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?



  • Full Circle Home Loans
  • 99 C St Suite 200, Upland, CA, 91786
  • Full Circle Home Loans is here to provide you with the very best experience with buying or refinancing your home.We will deliver excellent service, up to the minute communication, and education from beginning to end. We are 24/7 available by phone, text, or email. Full Circle Home Loans is setting a new standard of quality in the mortgage industry.
  • Spinnaker Loans
  • 123 E. 9th St #301, Upland, CA, 91786
  • Spinnaker Loans is a premier private money lender specializing in the financing of investment real estate for developers across Southern California. Since inception, Spinnaker has been involved in numerous and profitable residential lending transactions with both, developers and investors looking to invest in real estate.
  • Fidelity Bancorp
  • 3400 Inland Empire Blvd, Suite 101, Ontario, CA, 91764
  • Our mortgage experts give you the individual attention you deserve and treat you right. We know you're making a commitment in purchasing a home, refinancing, or tapping into your home equity. So we make a commitment to you: we can help you qualify, apply and be approved for the very best mortgage for you.
  • Encore Mortgage
  • 3333 Concours St, Bldg 4, Suite 4100, Ontario, CA, 91764
  • We have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business.
  • Fire Your Landlord - Fontana - Mortgage
  • 800 N. Haven Avenue, Suite 240, Ontario, CA, 91764
  • Fire Your Landlord® is designed to educate renters about how to qualify and buy a home, while at the same time - linking realtors, lenders and the homebuyer together so we can tell the renter to go and Fire Your Landlor and As a mortgage professional with more than 31 years of experience, Chris Trapani loves helping families realize.
  • MPower Mortgage
  • 3998 Inland Empire Blvd, Ontario, CA, 91764
  • At MPower Mortgage, we take great pride in being in the service of our industry. That’s what makes us more than just another mortgage loan provider. It means we not only have the expertise to see your deals and transaction through from start to finish, but we’re here for you in the future for any needs that might arise.
  • Adam Tice, Mortgage Lender NMLS #289398
  • 3595-1 Inland Empire Blvd, Suite 1240, Ontario, CA, 91764
  • Adam Tice You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate. I've got great news...I'm here to solve that for you. Go ahead and download my cheat sheet.
  • AL the Loan Guy
  • 13191 Crossroads Pkwy, Suite 525, City Of Industry, CA, 91764
  • "We are available from 8am to 8pm 7 days a week •We use CRM to convert leads •We put together complete pre-approval packages •We help get offers accepted with our 30-10-14 •We close early or on time every time •We communicate with you and the customer throughout the whole process"
  • United Mortgage Fund, Inc.
  • 800 North Haven Avenue, Suite 370, Ontario, CA, 91764
  • United Mortgage Fund was established from employees that worked at other mortgage companies but were fed up with how those companies treated their customers. Our ownership wanted to create a family orientated environment that puts the customers needs first and could act swiftly to all aspects of the mortgage financing experience.
  • FundRite Mortgage, Inc.
  • 3155 Sedona Court, Building C, Suite 2, Ontario, CA, 91764
  • 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.
  • Xstream Real Estate Services
  • 3175-E Sedona Court, Ontario, CA, 91764
  • With over 15 years of experience in the mortgage industry. We have extensive knowledge in the various types of programs that are available to any level of home buyer. We work with your financial situation. From first time home buyers or if it is your 3rd or 4th time buying a property we know just the right program for you.