USDA Vs. FHA Pro and Con comparison in Lamont, Kern County, CA
In the year 2025, 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 2025 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.
Our bank was founded in 1997. Our founders established a bank based on time-tested methods of sound financial management. The bank they envisioned would serve people like themselves, who enjoy living and working in the unique region of South Georgia. Guardian Bank flourished as it helped people prosper.
We pride ourselves on being a true community bank. Our bankers are your neighbors and your friends-- and we truly understand the needs of our local people. We have, and will continue to be, committed to building relationships with our customers and our community across South Georgia.
Ameris Bank is a financial institution serving customers across the Southeast and Mid-Atlantic. Through online account opening, customers across the nation can benefit from Ameris Bank products and services. Ameris Bank has full-service locations in Alabama, Florida, Georgia and South Carolina and mortgage-only.
Southeastern Credit Union is a not-for-profit financial institution. We were founded in 1953 as Moody Air Force Base Federal Credit Union, originally offering credit union membership to base employees and their immediate family.Since then, we've changed our name and our charter to serve our current ten-county area in South Georgia.
Painesville credit union is a member-owned, not-for-profit financial cooperative, whose goal is to be your trusted financial partner. By providing superior financial services in a friendly, professional manner, we strive to exceed our members' needs.We will continue to honor our Statement of Commitment to members by providing
L.C.E. Federal Credit Union was chartered in July of 1960 as a not-for-profit organization in Painesville, Ohio. It was established to serve the employees of Lake County and their immediate family members. The credit union originally had one employee and served less than one hundred members.
Lake County Educational Federal Credit Union full-service financial cooperative, proudly serving the Lake County and North Olmsted education communities and select group partners within the Greater Cleveland region. Since 1955, our specialized structure has been maintained to help our local education community prosper.
"The L.E.O. Credit Union was formed in 1985 as a non-profit, cooperative business, owned and controlled by its members. Members/owners of L.E.O. share the common bond of Lubrizol Employees of Ohio, other selected groups, and their relatives as stated in our charter.
The L.E.O. Credit Union was founded primarily as a savings and lending institutio
First Federal Savings and Loan Association of Valdosta
411 N Patterson St, Valdosta, GA, 31601
First Federal was founded in 1934 by a group of businessmen who had a vision for thrift and homeownership in Valdosta/Lowndes County. Since that time, First Federal has grown and flourished along with this area. It is our goal to keep the original vision as our theme and mission for the future.
