USDA Vs. FHA Pro and Con comparison in Loma-Linda, San Bernardino County, CA

In 2024, USDA loan limit in Loma-Linda, county of San Bernardino, CA is $381,800 while FHA limit is $477,250 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Loma-Linda, county of San Bernardino, CA

Loan Type Loan Limit Down payment
USDA $381,800 0%
FHA $477,250 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Loma-Linda, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Bank of Clarendon
  • 106 S. Brooks Street, Manning, SC, 29012
  • The Bank of Clarendon is a full service bank that began as a cash depository after the Great Depression in 1932. There was no bank in the community at the time, and the founding fathers worked extremely hard to build the confidence of the people of Clarendon County. In 1939, the bank received a state charter.
  • Associated Mortgage Bankers
  • 2395 Ocean Ave, Suite 5, Ronkonkoma, NY, 11774
  • Founded in 1989, Associated Mortgage Bankers, Inc. (AMB) is a successful independent mortgage banking firm specializing in a wide array of mortgage products providing you with the essential tools to become a highly successful loan officer. We have built a platform where top sales people can thrive while delivering superior mortgage products
  • First National Bank & Trust
  • 233 South Stephenson Ave, Iron Mountain, MI, 04980
  • First National Bank & Trust is proud to be rooted in your community since 1887, delivering great personal service and the best financial products to our customers and the local communities we serve. community since 1887, delivering great personal service and the best financial products.
  • Strategic Capital Solutions
  • 500 Michigan Ave, Dearborn, MI, 48124​
  • Strategic Capital Solutions is an independently owned full-service commercial mortgage brokerage firm originally founded in 1994 and rebranded most recently in 2019. Since inception the company has been continuously involved in debt and equity placement for commercial real estate in the range of $1M-$200M+.
  • FlipOS
  • 2355 East Camelback Road, Phoenix, AZ, 85106
  • FlipOS platform enables investors to flip homes faster than ever. Featuring expert insight and analysis to understand your investments, easy-to-use tools for calculations and organization, and a streamlined process in place to get you funded. FlipOS has everything a flipper needs to succeed.
  • Pinnacle Funding Group
  • 6625 Mediterranean Drive, Suite 200, McKinney, TX, 75072
  • At Pinnacle Funding Group, we consider ourselves financial advocates to those we serve by providing wise, financially sound directives that lead to True Home Ownership. Brian Palmer is the President Pinnacle Funding Group, Inc. Pinnacle Funding Group, Inc. has been providing the lowest rates, the best products, and the highest quality of service.
  • API Funding
  • 14545 S. Military Trail, Suite J101, Delray Beach, FL, 33484​
  • Allied Physicians Inc (API) was founded in 1999 in Rehoboth Beach Delaware as HQ for the national physician union, medical practice management and services provider. Allied Physicians was relocated to Florida in 2003. For nearly 20 years, we have grown to support countless businesses in nearly every industry & communities throughout the world.
  • Commercial Finance USA
  • 2415 San Ramon Valley Bl, Suite 4179, San Ramon, CA, 94853
  • We are a commercial real estate and business financing company established in 1995, providing Commercial and Construction Financing, and Business Loans in the U.S. and abroad. We have a reputation for extremely competitive interest rates and fast and professional service. Of equal importance, we hold ourselves to the highest.