As of 2026, the USDA loan limit in Needles, which is part of San Bernardino county in CA, has reached $776,600. Meanwhile, the FHA limit for a single-family home is established at $1,089,300.
Use the Lendersa® USDA loan calculator to do a side-by-side comparison of today's USDA and FHA rates. This tool helps figure out the required income, credit, reserves, and documents to qualify. With our sophisticated mortgage calculator, you can see all options - USDA, FHA, Conforming, and VA - side by side, enabling you to choose the most suitable program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
At Lendersa®, our mission is to efficiently provide you with the optimal USDA or FHA loan without any hassle. Begin by selecting from three starting options that link you with suitable lenders and USDA loan schemes.
A USDA home loan is backed by the government's Department of Agriculture, known as both a USDA rural development loan and a USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans, which call for a minimum down payment of 3.5%, a USDA mortgage loan does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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