USDA and FHA Pro and Con in Homestead-Valley, San Bernardino County, CA

In 2025, the USDA loan limit in Homestead-Valley, within San Bernardino county, CA, is $381,800. For a single-family home, the FHA limit is $477,250.

Use the Lendersa® USDA loan calculator to compare today's prime USDA vs. FHA rates, determining the necessary income, credit, reserves, and documents needed for eligibility. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, guiding your decision for the best program tailored to your financial situation in Alabama.

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2025 Loan Limits and Down Payment Specifications in Homestead-Valley, San Bernardino County, CA

Loan Type Loan Limit Down Payment
USDA $381,800 0%
FHA $477,250 3.5%
Conventional Conforming $548,250 3%

Discover USDA and FHA Loan Options in Homestead-Valley, CA

The aim of Lendersa® is to secure the optimal USDA or FHA loan for you promptly and with no hassle. Choose one of three pathways that align lenders with USDA loan programs effectively.

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Understanding USDA Loans in CA

A USDA home loan, commonly known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is available solely in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans do not require any down payment.

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



  • Swift Home Mortgage
  • 1093 E Brandon Blvd, Brandon, FL, 33511
  • Swift Home Mortgage, LLC & its subsidiaries & affiliates (collectively, Swift Home Mortgage, we, us or our) respect your privacy and are committed to complying with this privacy policy (the PrivacyPolicy). This Privacy Policy describes our information collection. Swift Home Mortgage delivering excellence in lending & unmatched customer service.
  • Goff & Associates Realtors
  • 204 Lithia Pinecrest Rd., Brandon, FL, 33511
  • At Goff & Associates Realtors and Landmark Mortgage Lending, Inc. we will always strive to be the Premier Real Estate and Mortgage Company of Choice for Our Customers and Our Agents. Our Staff and Agents are ethical, forward thinking and results oriented Professionals who take a proactive approach to Real Estate and Mortgages.
  • American Dream Home Mortgage
  • 1463 Oakfield Dr. Suite 127, Brandon, FL, 33511
  • American Dream Located in the heart of Brandon FL and serving the entire state of Florida, American Dream Home Mortgage gives you the personal attention you deserve and treats you with the respect due a valued customer. We understand that you are making a commitment in buying a new home, refinancing a mortgage, or utilizing your home equity.
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  • At First Carolina Mortgage, we have been proudly serving the Greensboro, Triad, North Carolina area since 1990. We strive to render professional service in a friendly atmosphere. Our loan officers have the skills and experience to meet your lending needs. Customer satisfaction will always be our top priority.
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  • At Jefferson Capital Mortgage. We are a local full-service mortgage company based in Greensboro, North Carolina. We service all of North Carolina and Virginia. We specialize in FHA, VA, USDA, HomePath, Jumbo and Conventional Loans. Whether you are buying a home or refinancing in North Carolina or Virginia we can help you realize you.
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