USDA and FHA Pro and Con in Lake-Isabella, Kern County, CA

In 2025, the USDA loan limit for Lake-Isabella, located in Kern county, CA, stands at $291,100. Meanwhile, the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today's prime USDA versus FHA rates and find out the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator allows a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding in pinpointing the best financial program for your situation in Alabama.

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2025 loan limits and down payment requirements in Lake-Isabella, Kern county, CA

Loan Type Loan Limit Down Payment
USDA $291,100 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA loan options in Lake-Isabella, CA

Lendersa® aims to promptly secure the best USDA or FHA loan for you without hassle. Choose one of three starting points to connect with lenders and USDA programs optimally.

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Understanding the USDA Loan in CA

A USDA home loan, secured by the government's Department of Agriculture, also referred to as the USDA rural development loan or mortgage, is strictly available in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, a USDA mortgage demands no down payment.

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



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