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.
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