USDA Vs. FHA your options comparison in Chino-Hills, San Bernardino County, CA
In 2026, the maximum USDA loan limit for Chino-Hills in San Bernardino county, CA is $381,800. Meanwhile, the FHA limit for a single-family residence is set at $477,250.
With the help of Lendersa®'s USDA loan calculator, you can evaluate the current USDA versus FHA rates alongside determining the needed income, credit score, reserves, and paperwork needed for eligibility. Our advanced mortgage calculator enables you to view USDA, FHA, Conforming, and VA loan options side-by-side, aiding in choosing the best program in tailored to your financial needs.
Loan limits and downpayment requirements for 2026 in Chino-Hills, San Bernardino county, CA
Loan Type
Loan Limit
Down payment
USDA
$381,800
0%
FHA
$477,250
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA loan choices in Chino-Hills, CA
The aim of Lendersa® is to deliver to you an excellent USDA or FHA loan promptly and with minimal stress. You can select one of three pathways that pair you with lenders and specific USDA loan programs.
A USDA home loan, backed by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. This differs from FHA loans which require a minimum 3.5% down payment, whereas the USDA loan eliminates the need for any down payment.
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