USDA Vs. FHA your options comparison in Highland, San Bernardino County, CA

In 2025, the USDA loan limit for Highland in San Bernardino county, CA, is set at $776,600. Meanwhile, the FHA loan limit for a single-family home is $1,089,300.

You can use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, and ascertain the income, credit requirements, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loan options side by side, helping you determine the best program for your specific financial needs, especially if you're in Alabama.

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Loan Limits & Downpayment Requirements for 2025 in Highland, 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%

USDA and FHA Loan Opportunities in Highland, CA

The aim of Lendersa® is to facilitate your access to the most advantageous USDA or FHA loan quickly and without hassle. Choose from one of three beginning paths that lead to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results visualization

Understanding the USDA Loan in CA

The USDA home loan is a government-guaranteed product by the Department of Agriculture, also known as a USDA rural development loan or mortgage, chiefly available in rural areas. Unlike FHA loans that require at least 3.5% down payment, the USDA loan foregoes any down payment requirement.

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



  • Big Horn Federal Savings Bank
  • 33 North 6th Street, Greybull, WY, 82426
  • Big Horn Federal has provided residents of the Big Horn Basin with 2 essential services: a safe place for their savings & affordable mortgage funds for their home purchases. We have expanded on these services to offer checking accounts, consumer loans, debit cards, wire services, safe deposit accounts and a host of other related financial products.
  • CASCADIA HOME LOANS
  • 51895 SW Old Portland Rd, Suite B, Scappoose, OR, 97056
  • Cascadia Home Loans offers fixed and adjustable-rate mortgages. We also work with FHA, VA, and USDA loan programs. Why wait? You can get started now, save your progress, and come back to finish anytime. If you have questions just give Cascadia a call and we will walk you through the home loan pre-approval process
  • ACFCU
  • 6100 W Interstate 40, Amarillo, TX, 79106
  • ACFCU has been providing financial services for over 75 years. We strive to make financial dreams reality & we want to be THE financial solution for all of our members.We serve over 38, 000 members & strive daily to exceed our members expectations. Chartered in 1945 ACFCU is now the largest credit union in the Panhandle serving over 37,000 members.
  • Spearco Mortgage
  • 4500 I-40 West, Suite B, Amarillo, TX, 79106
  • SpearCo Corporation is committed to finding you the right mortgage products. We offer a variety of products to meet the individual needs of each borrower. From home loans to refinancing existing loans, our loan advisors will make the mortgage process straightforward and simple to meet your needs.
  • PROVIDENCE HOME LOANS
  • 7120 IH-40 WEST, Suite 105, Amarillo, TX, 79106
  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs
  • SOUTHWEST HERITAGE CREDIT UNION
  • 2809 John Ben Shepperd Parkway, Odessa, TX, 79762
  • Southwest Heritage CU was originally chartered in 1949 as a not-for-profit financial cooperative for 35 original members. As of January, 2012, we are proud to say we have well over 7, 500 members & total assets of over $75, 000, 000!Credit Union was originally chartered in 1949 as a not-for-profit financial cooperative for 35 original members.
  • Southwest 66 Credit Union
  • 4041 E 52nd Street, Odessa, TX, 79762
  • Southwest 66 Credit Union began in late 1948 as a financial cooperative aimed at serving the needs of Permian Basin employees of the Phillips Petroleum company. The first chairman of the board was D.M. Hankings and the first Treasurer was A.W. Brumbelow. The first branch was located in Mr. Brumbelow's home.
  • Complex Community FCU
  • 4519 East 51st Street, Odessa, TX, 79762
  • Complex Community Federal Credit Union has been open since 1958. The credit union has assets totaling $633.38 Million & provides banking services to more than 40, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working or worshipping in the credit union's geographic area can become a member.
  • The People's Federal Credit Union
  • 7200 Hillside Road, Amarillo, TX, 79109
  • The People's Federal Credit Union was federally chartered on January 12, 1953 and currently has more than 18, 000 members. With five branches located in Amarillo, Childress and Canyon. The mission of The People's Federal Credit Union is to be the Members' primary financial institution.