USDA Vs. FHA your options comparison in Chino, San Bernardino County, CA

In 2026, 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

2026 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?



  • DHA FINANCIAL, LLC
  • 8490 E. Crescent Parkway, Suite 120, Greenwood Village, CO, 80111
  • DHA Financial is owned and operated by Dan Langerman and Jennifer Langerman. Since 2001 DHA Financial has helped thousands of families realize the dream of home ownership. We are a Correspondent lender, which means that we are 100% invested in the experience our company delivers to you,

  • Professional Wholesale Mortgage, LLC
  • 5994 S. Holly St, Suite 246, Englewood, CO, 80111
  • Professional Wholesale Mortgage, LLC is a Colorado based company providing the lowest rates to customers across the region. We are a small company that focuses on providing competitive home loans that make sense for our clients. We understand your mortgage needs and will work to get you the best rate available.

  • Alliance Mortgage Group, Inc
  • 12625 E Euclid Dr, Centennial, CO, 80111
  • The Alliance Mortgage Group team takes pride in delivering top notch COMMUNICATION and working seamlessly together to provide all Colorado residents with a Hassle-Free, Five Star experience. Whether you are looking to build your dream home, purchase a home, refinance, do some home improvement, or simply check rates, we are always here to help.

  • Colten Mortgage, LLC
  • 6021 S Syracuse Way, Suite 104, Englewood, CO, 80111
  • Our mission at Colten Mortgage is to make the loan process as stress-free as possible for our clients and partners. We use innovative technology to make the loan process smooth and simple, but we never underestimate the power of the human touch. Direct communication with our Loan Officers and Processing team when you have questions

  • Lead Funding, LLC
  • 7400 East Orchard Road, Suite 3000N, Englewood, CO, 80111
  • Lead Funding’s mission is to offer non-bank direct lending to real estate investors with competitive rates, hassle-free and quick terms, and complimentary essential tools. This “holistic” approach assists small to large real estate investors and is truly industry unique. To date, Lead Funding has loaned in excess of $700,000,000 directly to investo

  • Bridge Capital Resources LLC
  • 7350 E Progress Place, Suite 100, Greenwood Village, CO, 80111
  • Bridge Capital Resources™ LLC is a private money lender whose mission is to leverage entrepreneurial creativity bringing about inspired vision for transformation. We provide capital to real estate entrepreneurs for investment property acquisition, rehabilitation and stabilization. Principals of our company have nearly sixty years of combined indust

  • The Reichert Mortgage Team LLC
  • 12323 Sleeping Bear Road, Peyton, CO, 80831
  • The Reichert Mortgage Team, LLC specializes in residential home loans, VA loans, and refinancing opportunities for the residents of El Paso County. We are dedicated to giving you the best options possible when it comes to purchasing a home, which is why we offer several assistance programs and credit counseling services!

  • Integrity First Financial
  • 7635 McLaughlin Rd, Falcon, CO, 80831
  • Integrity First Financial, Inc., a Colorado mortgage lender, has been providing all types of residential loans in Colorado since 2002 and is accredited by the Better Business Bureau (A+). At IFF, we take pride in the business that we have built and we are here to help you with your mortgage needs.

  • Colorado Home Loans
  • 2121 W 84th Ave, Suite 201, Denver, CO, 80260
  • 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.

  • Journey Home Lending
  • 10200 E. Girard Ave, Suite B321, Denver, CO, 80231
  • Journey Home Lending Our team will provide the highest level of expertise to quickly guide you through the entire process of finding the best home purchase options or refinancing options for your new mortgage. Transparency and Integrity define our work ethic, and we help guide with options so you can make informed decisions

  • JML Mortgage LLC
  • 8571 East Cornell Drive, Denver, CO, 80231
  • JML Mortgage. We are a family owned company focused on offering our clients an unrivaled customer experience. We tailor each loan to meet your family's needs now and into the future. Welcome home and Borrowing money for a home (or investments) is one of the biggest financial decisions you will make in your life.