USDA Vs. FHA Pro and Con comparison in Lamont, Kern County, CA
In the year 2026, the USDA loan limit set for Lamont, located within Kern county in CA, is $345,100. In contrast, the FHA loan limit for a single-family home is $472,030. These limits determine the maximum amount you can potentially borrow under these government-backed loan programs, crucial for future homeowners.
Make use of the Lendersa® USDA loan calculator to evaluate the most competitive rates between USDA and FHA loans available today. This analysis will guide you in determining the necessary income, credit standards, reserves, and documentation required to qualify. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA loans side by side, helping you select the most appropriate program for your financial circumstances, particularly if you're settling in .
Understanding 2026 Loan Limits and Down Payment Requirements in Lamont, Kern, CA
Loan Type
Loan Limit
Minimum Down Payment
USDA
$345,100
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Lamont, CA
The intention of Lendersa® is to swiftly connect you with the most beneficial USDA or FHA loan options without hassle. Choose one of three introductory paths that lead you to matching lenders and USDA loan programs designed to meet your specific needs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. These loans are specifically designed for residents of rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans do not require any down payment, making property acquisition more attainable in rural communities.
3075 Citrus Circle, Suite 185, Walnut Creek, CA, 94598
At Mortgage Connect, we pride ourselves on offering our customers responsive, competent and excellent service. Our customers are the most important part of our business, and we work tirelessly to ensure your complete satisfaction, now and for as long as you are a customer. We serve our customers with honesty
3021 Citrus Circle, Suite 260, Walnut Creek, CA, 94598
The Pacific First Realty Services office is located in Walnut Creek, a thriving, suburban hub-city in the East Bay. At Pacific First Realty our agents and loan officers love to give free, no-obligation consultation about any community or personal/family situation. Our goal is to help you to the best of our ability
1700 Ygnacio Valley Road, Suite 202, Walnut Creek, CA, 94598
Team Funding Group has built and maintained very important relationships with banks, realtors, escrow companies, and everyone associated with this industry. With relationships as our foundation for business, our rates and turn times have a competitive edge that no one else can offer
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
"We are mortgage brokers and real estate brokers that do business differently than anyone you have ever met. A recent client says that we ""make order out of chaos!""
Using patented technology to improve your home financing experience and save you money in the long run. Our goal is to have every single transaction ready to close in less than 30 d
1375 Locust St, Suite 205, Walnut Creek, CA, 94596
"We're a full service Mortgage Brokering office with an entire suite of Real Estate Transaction Services located in the Bay Area of California operating with an experienced staff offering expertise in every area of mortgage lending. We offer you several convenient and
secure options to get started."
1990 North California Boulevard, Suite 20, Walnut Creek, CA, 94596
Bullplace Inc Our business motto is to offer each client service that is perfectly tailored to their needs.We want to provide a personal touch, something lost in most other present-day companies, that have sacrificed empathy over cutting edge technology We are a residential and commercial loan brokerage, offering mortgage services.
1990 N California Blvd, 8th Floor, Walnut Creek, CA, 94596
MetroCity Realty & MetroCity Capital Group is proud to be the leader in the real estate market in California, practicing an age old but timeless real estate practice in the market. We utilize in-depth understanding of the market you're looking at, and we go beyond traditional real estate agency scopes and evaluate the value of your home.
1200 Mount Diablo Boulevard, Suite 210, Walnut Creek, CA, 94596
We are here to serve you as the premiere Brokerage for Real Estate Financing and sales in one place. Established in Walnut Creek, CA in 1994, Bay Mountain provides Financing and Real Estate services throughout California, specializing in the unique San Francisco Bay Area market and financing services throughout the State of Colorado.
