USDA Vs. FHA your options comparison in Fort-Irwin, San Bernardino County, CA

In 2026, within Fort-Irwin, San Bernardino county, CA, the USDA loan ceiling is set at $381,800, while for FHA, it's $477,250 for a single-family residence.

Utilize the Lendersa® USDA loan calculator to contrast today's leading USDA and FHA rates. Determine the necessary income, credit score, reserves, and documentation to qualify. Our sophisticated mortgage calculator places USDA, FHA, Conforming, and VA side by side to assist in selecting the optimal program for your financial circumstances in .

Explore loan offers from a pool of 100 lenders

2026 loan thresholds and down payment requirements in Fort-Irwin, San Bernardino county, CA

Loan Type Loan Limit Down payment
USDA $381,800 None
FHA $477,250 3.5%
Conventional Conforming $548,250 3%

Options for USDA and FHA loans in Fort-Irwin, CA

The mission of Lendersa® is to secure the best available USDA or FHA loans promptly and with ease. Pick one of three pathways to connect with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

USDA Loan Details in CA

The USDA mortgage is a government-backed loan by the Department of Agriculture, often known as the USDA rural development loan, and is available exclusively in rural locales. Unlike FHA loans that need a 3.5% minimum down payment, the USDA mortgage necessitates none.

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



Fort-Irwin Lenders

  • Desert Valleys FCU
  • 100 E. Ward Ave, Ridgecrest, CA, 93555
  • Lends in California
  • Desert Valleys Federal Credit Union received its Charter # 5366 on July 11, 1946. The Credit Union was originally established in the Searles Valley to provide the plant workers of American Potash Chemical Company a place to cash their payroll checks. In May of 1999 the Desert Valleys Federal Credit Union expanded its’ field of membership to include

  • AltaOne Federal Credit Union
  • 701 South China Lake Boulevard, Ridgecrest, CA, 93555
  • Lends in California
  • AltaOne members and employees enjoy a one-of-a-kind relationship with their credit union. Offering much more than personal and business financial products and services, we continually strive to be the community’s choice for an all-around member experience, strengthening ties with our local communities through events and outreach programs

  • Real Estate Loans and Homes
  • 27489 Silver Lakes Parkway, Helendale, CA, 92342
  • Lends in California
  • Real Estate Loans and Homes we offer a wide variety of loan programs starting from as low as 500 fico. Also Down Payment and Closing Cost Assistance Programs in CA. The USDA Rural zero down program from a minimum 580 fico in CA. The VA/CalVet are no down payment no closing costs programs. We have conventional home loans from a minimum.

  • Axiom Lending Group
  • 14175 Erie Rd, Apple Valley, CA, 92307
  • Lends in California
  • Joe Schwartz is the President and senior loan officer of Axiom Lending Group, a licensed mortgage firm that provides mortgage and mortgage-related services to its client base located in California. With over 30 years of experience in the industry, Axiom Lending Group and its experienced staff have been providing lending, investing and consulting se

  • LENDCO
  • 17100 BEAR VALLEY RD SUITE B, #214, Victorville, CA, 92395
  • Lends in California
  • Hello and thank you for choosing LENDCO.
    Honesty, Caring, and Competence are our core values.
    Our owner Julio Hernandez has been a Real Estate Broker since 2002 and has vast As a Mortgage Broker, we do only one loan application and only one credit pull. We shop the top wholesale lenders in the country and offer some of the lowest rates.

  • Innovation Mortgage Group
  • 12600 Hesperia Road, Suite A, Victorville, CA, 92395
  • Lends in California
  • Our team of experienced and knowledgeable Loan Officers are ready to serve all of your home financing needs! We understand that purchasing a home is one of the biggest decisions you’ll make. That’s why we combine cutting-edge technology and innovative workflows with an unwavering commitment so you can be confident in your decision.

  • 203K Mortgage Lender
  • 17100 Bear Valley Rd, Suite B340, Victorville, CA, 92395
  • Lends in California
  • 203kMortgageLender.com is an FHA 203k Lender Directory. If you are looking for an FHA approved 203K lender then you've come to the right place. You'll find 203k renovation specialists throughout the U.S that are approved, experienced and have the knowledge to do FHA 203k Loans as well as other renovation loans

  • Gold Key Home Loans
  • 6637 SVL Box, Victorville, CA, 92395
  • Lends in California
  • Since 1986 Gold Key Home Loans has Specialized in FHA, VA and Conventional Real Estate Financing for Home Purchasers and Home Owners who want to Refinance or obtain a Reverse Mortgage. my goal was to provide excellent service to my borrowers and the real estate community that I serve.

  • Malone, Victor, Eric
  • 14070 Hesperia Rd, Suite 202, Victorville, CA, 92395
  • Lends in California
  • Welcome Home. I am an experienced loan officer with over 20 years in the mortgage Industry and I enjoy getting the job done. Every borrower and every loan is unique. I have been able to assist many borrowers Purchase their first home and refinance their current mortgages. I've helped them eliminate debt and PMI.

  • Rivas Mortgage
  • 14298 Saint Andrews Drive, Suite 1, Victorville, CA, 92395
  • Lends in California
  • Rivas Mortgage owner of the Victor RIVAS is a Real Estate in the Mortgage Industry, have also owned my Escrow company and have all this experience for the benefit of the family that will come to me, for help in making their dream come true and taking the next step of owning their own home and We offer the best real estate service.