In 2026, the USDA loan limit for McFarland, situated in Kern, CA, is $345,100, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's best USDA vs. FHA rates. Determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side to help decide which program is best for your financial situation in
Compare loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $345,100 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The objective of Lendersa® is to quickly secure the best USDA or FHA loan for you without hassle. Choose from three starting paths leading you to matching lenders and USDA programs.
A USDA home loan is a government-guaranteed loan from the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans with a minimum 3.5% down payment, USDA loans do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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