In 2026, the USDA loan limit for a single-family home in Hesperia, located within San Bernardino county, CA, is $776,600. The FHA loan limit, on the other hand, is $1,089,300.
Make use of the Lendersa® USDA loan calculator to compare the best current rates between USDA and FHA options. This tool effectively aids in determining the income, credit, reserve amounts, and documents required for eligibility. By using our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA loans side-by-side, helping you single out the program best suited to your financial needs in
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| Loan Type | Maximum Limit | Minimum Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® aims to efficiently connect you to the most favorable USDA or FHA loans quickly and with minimum complexity. Choose one among the three starting points to be paired with appropriate lenders and USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture and often referred to as a USDA rural development loan or USDA mortgage, is specifically available in rural areas. In contrast to FHA loans that require a minimum 3.5% down payment, USDA mortgages require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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