USDA Loan Vs. FHA loan pro & con for Golden-Hills, Kern County, CA

In 2025, USDA loan limit in Golden-Hills, 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.

Get top 10
USDA LENDERS
customized to yout needes

USDA and FHA loan options in Golden-Hills, 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.

916-996-8527 292 miles Lender's profile and map Reviews West Coast Lending Team 775 Sunrise Ave. #150, Roseville, CA, 95661 West Coast Lending Team For purchase or refinance home loans, let us help you find the best deal in the least amount of time. With our focus on great customer service, integrity, and fast processing system, we make home loans convenient and transparent for you and alos our Our fast and dedicated team will find you the best deal.
(916) 287-7777 292 miles Lender's profile and map Reviews Catalyst Mortgage 3013 Douglas Blvd. Ste 135, Roseville, CA, 95661 Catalyst Mortgage specializes in Residential Mortgage Lending; We offer home loan products including but not limited to Conventional, FHA, VA, USDA, 203K Home Loan Products. We are Licensed in California and have been in business since 2005. Our staff has collective industry experience of over 50 years
916 726 7777 292 miles Lender's profile and map Reviews Commercial Capital Funding 2251 Douglas Blvd. Ste. 100, Roseville, CA, 95661 Commercial Capital Funding has listened to the concerns of Real Estate Agents and is out to change the real estate agent/ loan officer relationship. With a growing need for easier access to mortgage loans and a desire for faster closings we are quickly addressing the needs of both the real estate professional and the borrower.
(415) 332-7539 292 miles Lender's profile and map Reviews Paul Bergeron Real Estate 100 Gate 6 Road, Sausalito, CA, 94965 "PAUL BERGERON REAL ESTATE stands out among the pack of Marin County Real Estate brokers in his extensive experience and his emphasis on personal attention and professionalism. Paul, a member of the Sausalito Floating Home Community since 1985, has owned more than 20 floating homes an amassed a broad knowledge of the marinas"
(707) 759-5129 293 miles Lender's profile and map Reviews Network Independent Mortgage Brokers 1300 Oliver Road, Suite 140, Fairfield, CA, 94534 Network Independent Mortgage Brokers are a TRULY Independent Mortgage Brokers who shop all options to get you the BEST Deal so you dont have to take the time to do it yourself. We get the job DONE, we are here for any questions you have about the process. We do not take your trust in us for Grated, we step up to prove that we deserve that trust.
(855) 506-5626 294 miles Lender's profile and map Reviews Members Tech Mortgage Inc 5833 Horseshoe Bar Rd, Loomis, CA, 95650 Every day we emphasize our customers always come first, it starts 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. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(800) 797-6324 294 miles Lender's profile and map Reviews Mechanics Bank 915 Highland Park Drive, Suite 450, Roseville, CA, 95678 Backed by exceptional capital strength and substantial assets, we are a resilient and resourceful California Bank whose core Banking and lending principles reflect that of a community Bank. For over a century, it has been our foremost commitment to exceed our clients’ expectations every day.
(916) 439-2160 294 miles Lender's profile and map Reviews Homes For Veterans 12 South Grant Street, Roseville, CA, 95678 The Homes for Veterans is a group of committed local professionals specializing in VA LOANS & VA REAL ESTATE services in the greater Sacramento area for over 35 years. Purchasing a home using the a VA loan requires experience & knowledge of the complexities of VA financing. Helping our Veterans discover the dream of homeownership in NC since 1981.
(800) 385-3657 294 miles Lender's profile and map Reviews Platinum Mortgage Company 915 Highland Pointe Drive, Suite 250, Roseville, CA, 95678 Since 1989, we have been in business to help the communities we serve obtain the American Dream. Buying a home is one of our largest investments that we make in our lifetime. With our intense focus and commitment we have helped many clients make a sound financial decision regarding their mortgage and investment needs.
(916) 439-2160 294 miles Lender's profile and map Reviews Community Home Mortgage 12 South Grant Street, Roseville, CA, 95678 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.
(916) 788-4441 294 miles Lender's profile and map Reviews Homecite Mortgage Corporation 990 Reserve Dr, Suite 105, Roseville, CA, 95678 Homecite Mortgage is California’s Premier Mortgage Company specializing in home improvement, debt consolidation, property refinances, and purchase money loans. HomeCiteMortgage offers competitive rates on conforming, non-conforming, jumbo loans. HomeCite’s refinance programs are designed to help homeowners save money with their refinance.