USDA Vs. FHA Pro and Con comparison in Ford-City, Kern County, CA

In 2024, USDA loan limit in Ford-City, county of Kern, CA is $291,100 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Ford-City, county of Kern, CA

Loan Type Loan Limit Down payment
USDA $291,100 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Ford-City, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Credit Union Of Emporia
  • 2711 West 15th Avenue, Emporia, KS, 66801
  • The Credit Union of Emporia was formed in 1953 by seven Santa Fe Railroad employees. It was originally called the “Emporia Santa Fe Credit Union”. In 1985, the members voted to change the name to “Credit Union of Emporia” to better reflect the membership, which represents many of the Lyon County employee groups.
  • Lyon County State Bank
  • 902 Merchant St., Emporia, KS, 66801
  • The Lyon County State Bank (LCSB) was chartered on June 27, 1913 and first opened for business at 508 Commercial Street, Emporia, Kansas, with Senator W. M. Price as President. The bank moved to 701 Commercial Street in 1956 and remained there until the current Main Bank facility was built in 1975 at 902 Merchant Street.
  • Texas Security Bank
  • 1212 Turtle Creek Boulevard, Dallas, TX, 75207
  • Texas Security Bank's mission is to Elevate the Champions of Free Enterprise. The way we see it, our best asset is you. Being an independent bank gives us a different perspective. Most banks are institutional. We're entrepreneurial. We're not another branch of another mega bank. We're part of this community
  • U S Lending Partner
  • 2911 Turtle Creek, Suite 300, Dallas, TX, 75219
  • U.S. LENDING PARTNER a DBA of AmRes Corp. We are a full service mortgage company based in Dallas, Texas. We specialize in FHA, VA, USDA, and Conventional Loans. Serving the surrounding areas in Dallas County, Ellis County, Tarrant County, Parker County & Johnson County. Whether you are buying a home or refinancing.
  • Bedrock Lending
  • 2911 Turtle Creek Blvd, Suite 300, Dallas, TX, 75219
  • Bedrock Lending was founded in 2005, with a goal of addressing the needs of the growing base of highly educated consumers/borrowers who are looking for quicker, easier access to mortgage loans at the best price. With the traditional mortgage broker process proving to be slow and tedious for customers in a faster-paced, technology-driven world.
  • PAB Financial, LLC
  • 3626 North Hall Street, Suite 630, Dallas, TX, 75219
  • We are a full-service Mortgage Banker specializing in conventional, jumbo, FHA, VA and USDA residential mortgage lending and Paula is truly passionate about her profession; her clients concur. In fact, she attributes nearly 100% of her business to referrals from previous clients.
  • Residential Capital Partners
  • 3838 Oak Lawn Avenue Suite 1500, Dallas, TX, 75219
  • Residential Capital Partners is a leading hard money lender with a national scope and a local presence in each market we serve. We are dedicated to the customers we serve and we understand the demands of the single-family residential purchase and rehabilitation process. Given the breadth and depth of our experience over the last 10 years
  • Bay Mountain Capital
  • 3710 Rawlins, Suite 1390, Dallas, TX, 75219
  • The Bay Mountain Capital team is more than just a group of employees, we’re a family. We’re dedicated to delivering the best service and expertise with 100+ combined years of experience in the real estate industry. Our people are the driving force for our company and together our team upholds our core values: excellence, integrity, improvement and
  • Mortgage Wizards
  • 1301 Ray Berglund Blvd, Round Rock, TX, 78664
  • Use our loan services to make you a homeowner when you find that perfect home. Mortgage Wizards in Round Rock, Texas, is a mortgage brokering company that offers new loans and loan refinancing. When using our services, you are personally walked through the loan process by our professionals. In addition, you are given suggestions
  • Eddie Fooshang Mortgage Team
  • 1490 Rusk Rd, Suite 401, Round Rock, TX, 78664
  • Eddie Fooshang is a Residential Mortgage Loan Originator. As a teen age boy in Egypt, he was fascinated with America through his favorite show “Walker Texas Ranger”. He dreamt of the day he would move to the USA, & specifically Texas to live the American Dream! His love for America and the American dream made him so passionate about home ownership.