USDA Vs. FHA your options comparison in Montclair, San Bernardino County, CA

In 2026, the USDA loan limit for Montclair, county of San Bernardino, CA, is $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300.

Utilize the Lendersa® USDA loan calculator to assess and compare the best USDA versus FHA rates available today. Determine the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side to help decide which option in best fits your financial situation.

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Loan Limits and Downpayment Requirements in Montclair, San Bernardino, CA for 2026

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Options in Montclair, CA

Lendersa® aims to secure the best USDA or FHA loan for you quickly and effortlessly. Choose one of three starting points to connect with matching lenders and discover USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, a USDA loan requires no down payment at all.

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



  • Southern Mortgage Group, LLC
  • 546 Silicon Drive, Suite 100, Southlake, TX, 76092
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  • Red Diamond Home Loans, LLC
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  • Bison Federal Credit Union
  • 2 West Macarthur, Shawnee, OK, 74804
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  • Citizens Bank of Kansas
  • 2330 Ohio St, Augusta, KS, 67010
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  • Kendall Financial LLC
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  • Butte State Bank
  • 510 Thayer St., Butte, NE, 68722
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