USDA and FHA Pro and Con in Fontana, San Bernardino County, CA

In 2026, the USDA loan ceiling in Fontana, county of San Bernardino, CA, reaches $776,600, whereas the FHA ceiling for a single-family home is $1,089,300.

The Lendersa® USDA loan calculator allows you to compare competitive USDA and FHA rates. It also helps determine the income, credit score, reserves, and documentation needed for qualification. Our advanced mortgage calculator presents a side-by-side look at USDA, FHA, Conforming, and VA options, aiding in selecting the optimal program for your financial situation in .

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2026 Loan Limits and Downpayment Requirements in Fontana, County of San Bernardino, CA

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

Options for USDA and FHA Loans in Fontana, CA

The objective of Lendersa® is to quickly provide the most suitable USDA or FHA loan without any hassle. Choose one of three methods to connect with lenders and relevant USDA loan programs.

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Understanding USDA Loans in CA

A USDA home loan, guaranteed by the Department of Agriculture, also known as the USDA rural development loan or mortgage, is specifically for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans necessitate no down payment, providing a significant benefit for eligible buyers.

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



  • hartleb-prasad corp.
  • 363 El Camino Real, Suite 288, San Francisco, CA, 94080
  • "Sierra Pacific Mortgage Corp offers Elk Grove, CA Mortgage programs to fit your budget. For practical and knowledgeable advice and options.Our company has 30+ years of experience in the Real Estate and Mortgage Industry. Hemant Prasad started Sierra Pacific Mortgage Corporation.
    As my company grew and I relocated to the Sacramento area in 1995,

  • California Mortgage Company, Inc.
  • 1435 Huntington Avenue, Suite 100, South San Francisco, CA, 94080
  • With over 20 years experience as mortgage brokers, we are able to provide competitive advantages in the marketplace with competitive rates with a variety of loan programs. With our thorough knowledge of conventional, FHA, & VA loan programs as well as Outside the Box such as less than perfect credit & alternative income documentation loan programs

  • EZ Mortgages
  • 4535 Missouri Flat Rd, Suite 2E, Placerville, CA, 95667
  • EZ Mortgages was founded by Eric Grathwol (NMLS 239756), a mortgage industry veteran, on the principle that real estate financing doesn’t have to be a painful, unpleasant experience for you. We understand that although every individual borrower and scenario is unique, each lender has standard requirements that are very uniform.

  • Spectrum Credit Union
  • PO Box 2069, Oakland, CA, 94604
  • Spectrum Credit Union is committed to providing highly competitive benefits and compensation as well as a comfortable, fun work environment for our staff. The Team Spirit Committee organizes companywide events throughout the year. Our headquarters office features ergonomic sit/stand desks, and semi-monthly subsidized table massages

  • Bay East Brokers, Inc.
  • 4125 Mohr Avenue, Suite C, Oakland, CA, 94666
  • HARMIT TOOR real estate agent with Bay East Brokers, Inc in Pleasanton, California and the nearby area, providing home-buyers and sellers with professional, responsive and attentive real estate services. Need an agent who knows how to effectively market your home so it sells? Give me a call!

  • Community Bank of the Bay
  • 180 Grand Avenue, Suite 1550, Oakland, CA, 94612
  • Established in 1996, Community Bank of the Bay is an independent, community-focused bank with 25 years of active financial investment in businesses and individuals in the San Francisco Bay Area. Our mission is to foster and promote economic development in the communities we serve.

  • Matson Credit Union loan
  • 475 14th Street, Suite 220, Oakland, CA, 94612
  • Chartered in 1938, Matson Employees’ Federal Credit Union was established to provide the best services possible — in a friendly atmosphere — for our members and their families. We are a non-profit, financial cooperative owned by you, our members. So you can rest assured that we will always be looking out for your best interest

  • Money Source
  • 1300 Clay St, Suite 600, Oakland, CA, 94612
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.

  • TMC Financing
  • 1720 Broadway, 3rd Floor, Oakland, CA, 94612
  • TMC is the no. 1 SBA 504 lender in the nation. Since 1981, TMC has provided $10 billion in financing for over 6, 000 businesses throughout California and Nevada. This financing has resulted in the creation or retention of an estimate 60, 000 jobs. Now licensed to operate in Arizona!

  • Falcon Bridge Capital LLC
  • 1999 Harrison Street, Suite 1575, Oakland, CA, 94612
  • Falcon Bridge Capital formed in 2007 as part of a Joint Venture with a large Private Equity firm to invest in distressed Residential Mortgage Backed Securities ("RMBS"). The Company's clients include endowments/pensions, community banks, and private equity firms.The Company has expertise in structured products.

  • Self-Help Federal Credit Union
  • 1970 Broadway, Suite 350, Oakland, CA, 94612
  • Our mission is to create and protect ownership and economic opportunity for all, especially people of color, women, rural residents, and low-wealth families and communities.Self-Help strengthens underserved communities by providing financing to homebuyers, nonprofits, childcare centers, community health facilities.