USDA Vs. FHA your options comparison in Joshua-Tree, San Bernardino County, CA
For 2026, the USDA loan cap in the city of Joshua-Tree, located in the county of San Bernardino, CA, is $381,800. Meanwhile, the FHA limit for a single-family home is $477,250.
Leverage the Lendersa® USDA loan calculator to evaluate the most favorable USDA versus FHA rates today and to determine the income, credit score, reserves, and document requirements for qualification. Our state-of-the-art mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, allowing you to identify the most suitable program for your unique financial needs, specifically in .
2026 Loan Limits and Downpayment Requirements in Joshua-Tree, San Bernardino, CA
Loan Type
Loan Limit
Down Payment
USDA
$381,800
0%
FHA
$477,250
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Choices in Joshua-Tree, CA
The mission of Lendersa® is to secure the ideal USDA or FHA loan for you swiftly and without complexity. Start by choosing one of three initial paths that connect you to matching lenders and USDA loan solutions.
A USDA home loan, backed by the Department of Agriculture, is known as a USDA rural development loan or mortgage, available exclusively in rural areas. Unlike FHA loans which require a minimum of a 3.5% down payment, USDA mortgages require no down payment whatsoever.
Jackson Mortgage Company is a full-service mortgage lender with more than 20 years of experience serving Anniston, Alabama and the surrounding community. Even if you don’t know us by name, you might recognize our “Call My Daddy!” catchphrase and watching Kelsey Jackson, daughter of owner Larry Jackson, grow up on our billboards through the years.
Peoples Bank is a Kentucky owned community bank founded in 1910. The world has changed a lot since then. One thing that hasn’t changed is the importance of good old fashioned personalized attention. Banking is still a people business that involves relationships, trust and dependability. Our experienced bankers will be happy to assist you with your
Citizens National Bank was formed March 9, 1889 when its shareholders purchased the National Bank of Lebanon and located its operations in a portion of the same building that our present bank occupies. Since its inception, the bank has attempted to serve the needs of all citizens in Lebanon and Marion County.
At Farmers National Bank, we offer hometown banking the way it should be - people you know & trust, who go out of their way to recognize and appreciate you from the minute you walk through our doors. Come visit us and you'll see why we say there's no other bank in this area that has a stronger tradition of service to the local community than we do.
United Citizens Bank, customer service is our first priority. Our friendly, knowledgeable staff will stop at nothing to provide you with courteous service and a great banking experience and also UCB was founded on the solid banking principles of providing the products and services needed by the people and businesses in our communities and providing
Bank of Columbia has been serving the community of Adair County since 1866. Our commitment has not changed since the beginning–We want to see our businesses grow and our citizens thrive. We care about the success of our families, farms, local businesses and growing industries because your success is our success.
"We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.
We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending"
Union Bank & Trust Company was chartered on October 25, 1932, formed by the uniting of Old Farmer’s Bank and Citizen’s Bank with capitol stock of $50, 000.00.
The bank was moved to our present location at 201 East Main Street in November, 1965 with a grand opening on November 24, 1965.
