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 .
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.
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.
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