USDA Loan Vs. FHA loan pro & con 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.

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.

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(413) 772-0293 Lender's profile and map Reviews Greenfield Co-operative Bank 63 Federal Street, Greenfield, MA, 01301 Our mission is to provide fairly-priced banking products, financial services and consumer and commercial loans of all types to help local businesses grow, assist individuals and families in achieving their own financial goals, and in this manner make the communities we serve stronger and more prosperous.
(413) 774-6700 Lender's profile and map Reviews Franklin First FCU 57 Newton Street, Greenfield, MA, 01301 Franklin First began in 1958 as four separate credit unions: Franklin County Public Hospital FCU, Franklin County Teachers FCU, Lunt Silversmiths, and Greenfield Tap & Die Credit Union. As the years went on, they became united by common goals and the desire to offer updated services for their members.
(800) 371-5162 Lender's profile and map Reviews VSECU PO Box 67, Burlington, VT, 05601 VSECU is a credit union is a not-for-profit financial cooperative that is owned by its members. Profits go back to the member owners in the form of higher saving rates, lower loan rates, and affordable services. Credit unions do not exist to make a profit for the benefit of outside stockholders
(860) 346-6614 Lender's profile and map Reviews Seasons Federal Credit Union 524 South Main Street, Middletown, CT, 06457 In 1935, a group of educators from Middletown, CT, founded the future Seasons Federal Credit Union. Inspired by the credit union philosophy of “people helping people,” the teachers pooled their money together to provide low-cost loans.Through their joint efforts, Northern Middlesex School Employees Credit Union was chartered in December that year.
(860) 282-0001 Lender's profile and map Reviews Finex Credit Union 616 Burnside Avenue, East Hartford, CT, 06108 Finex is a credit union. We are a cooperative, not-for-profit financial institution owned by our members. The purpose of a credit union is to use its income to provide affordable, quality products and services to members. We work hard to enrich the quality of life for others. The Finex difference is all in how we do banking.
(860) 291-0345 Lender's profile and map Reviews America's First Network Credit Union 92 Pitkin Street, East Hartford, CT, 06108 America’s First Network Credit Union was founded in 1976 in Clinton Connecticut under its original name, Chesebrough-Pond’s Federal Credit Union. In May of 1989, our Trumbull Connecticut office was opened in Unilever’s Corporate Complex, where we still maintain a branch. America's First Network Credit Union now has 8 offices located in 2 states.
(860) 716-1590 Lender's profile and map Reviews Mortgage Markets Cuso 616 Burnside Avenue, East Hartford, CT, 06108 Finex Credit Union created Mortgage Markets CUSO, LLC in 2003 to address a common issue facing many Connecticut credit unions: sending members to banks for mortgages and jeopardizing their all-important ongoing member relationships. The Mortgage Markets CUSO, LLC mission is to empower our credit union
(860) 895-6422 Lender's profile and map Reviews Global Funding Group, LLC 1622 Main Street, East Hartford, CT, 06108 Global Funding Group, LLC is a private lending company for commercial real estate projects. If you are looking for a fast and easy alternative to fund your next flip, look no further. With our transparent terms & conditions, online application process, and quick response times, Global Funding Group is the obvious choice for funding.
(413) 256-5500 Lender's profile and map Reviews UMassFive College Federal Credit Union 200 Westgate Center Dr, Hadley, MA, 01035 At UMassFive, we know that your success is our success. We are member-owned and member-run, which means a healthy local economy and a strong community is good for business—both ours and yours. As such, our Commercial Services division is designed to help your business grow and adapt with every evolving need, because when you win we all win.
(888) 301-9210 Lender's profile and map Reviews Polaris Home Loans, LLC One Monarch Place, 22nd Floor, Suite 2200, Springfield, MA, 01144 Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(413) 250-6068 Lender's profile and map Reviews TMD Capital 1500 Main St, Springfield, MA, 01103 We provide financing to real estate investors. We work in many different asset classes including - 1-4 Family Residential, Multi Family, Commercial properties. We pride ourselves being steadfast in our pursuit to meet our clients needs, and are committed to upholding our three core principles. Service, Pricing, Continuous Improvement.
(413) 739-6961 Lender's profile and map Reviews Freedom Credit Union 1976 Main Street, Springfield, MA, 01103 Freedom’s story began in 1922 when it was originally chartered as the Western Massachusetts Telephone Workers Credit Union. From a small office in the telephone company building on Worthington Street in Springfield, Massachusetts, the credit union grew until we found a new home on Main Street in Springfield.