USDA Vs. FHA your options comparison in Delano, Kern County, CA
In the year 2026, the USDA loan limit set for Delano in Kern county, CA is $345,100, whereas the FHA limit for a single-family home is $472,030.
To compare the top USDA and FHA rates of today, use the Lendersa® USDA loan calculator, which helps determine the income, credit score, reserves, and documents necessary for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, facilitating the decision of which program best suits your financial needs, especially if you’re in Alabama.
2026 Loan Limits & Downpayment Requirements in Delano, Kern County, CA
Loan Type
Loan Limit
Down Payment
USDA
$345,100
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Delano, CA
The objective of Lendersa® is to help you secure the best possible USDA or FHA loan quickly and with minimal effort. Choose one of three starting points that connect you with suitable lenders and USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, is often called the USDA rural development loan or USDA mortgage, applicable only in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, the USDA loan requires no down payment.
The Summit Financial Team has over 200 years combined mortgage lending experience. We are well versed in all aspects of the mortgage origination process. Whether you are seeking Conventional, FHA & VA, Construction, Reverse Mortgage or Alternative financing, Summit Financial is here for you.
In 1952, a small group of dedicated and concerned state employees from Union #35 met for the purpose of forming a financial cooperative for co-workers and their families. From these very humble beginnings, Safe 1 Credit Union was founded and formed.
The first Safe 1 ""office"" was actually a room located in the home of our first manager.
Local Lenders Group is a California Mortgage Company offering the most competitive mortgage interest rates, and fees. We specialize in the following loan products : FHA, VA, Conventional, Jumbo's, Private Money and Refinances.
Customer service is very important to us. As we continue to improve and expand our services,
We're committed to helping you refinance with the lowest rates and fees in the industry today. Check out our Low Rates, Calculate your Payment, or Start the Process Today! We serve all of California, our office is located in the central valley of California. We thrive on the success and satisfaction of our clients.
1st Choice Lending or 1st Choice Real Estate in Bakersfield, CA. We are committed to your satisfaction. Specializing in Reverse Mortgages for age 62+ and VA Loans and Investor Fix and Flip up to 90% Purchase Price plus 100% of Renovation Cost. Standard FHA and Convention Purchase, Refinance and Cash out.
4801 Calloway Drive Suite 103, Bakersfield, CA, 93312
Lends in California
Team Windes 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 and also Todd and Sasha Windes all types of home mortgage loans ranging from first time home buyer’s programs to the most sophisticated .
In 1952, when most Southern Pacific Employees had never heard or even dreamed of a Credit Union, Jake Fannin, a switchman, and his wife Mary Ellen knew of these things and had a strong desire to get a credit union started for Southern Pacific employees in Bakersfield. Mary already had considerable banking experience and with a little help
Bakersfield City Employees Federal Credit Union was founded in 1936 to serve employees of the City of Bakersfield and their family members. We have grown in asset size and services since then, and we also now serve the employees of Golden Empire Transit and BNSF Railroad. If you are a city employee
Strata Credit Union is a nonprofit organization, reinvesting revenues back into the member base through lower rates on auto loans, credit cards, personal loans and checking accounts that are truly free. Strata Credit Union's mission is to be the preferred financial institution for our current and potential members.
1701 Westwind Drive, Suite 206, Bakersfield, CA, 93301
Lends in California
Our Mission at Homes By Elena Real Estate is not only to assist clients through the Buying or Selling process.It is also our goal to provide Incentives to Buyers & Sellers with the desire to contribute to Stronger and Thriving communities.At Homes by Elena Real Estate we joyfully also donate to our Local Animal shelters a percent of our commission.
