USDA Vs. FHA your options comparison in Needles, San Bernardino County, CA
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 .
Details on 2026 loan limits and down payment requirements in Needles, San Bernardino, CA
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 Needles, CA
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.
Doris Le, Trusted Private Money Lender & Bridge Partner
4300 Stevens Creek Blvd., Suite 275, San Jose, CA, 95129
When you have an important real estate transaction, you need a reliable source of funding, one that can provide the funding you need, when you need it. We are a direct, local, private money lender originating, underwriting and funding non-traditional mortgages and hard money loans on residential and commercial properties throughout California.
4300 Stevens Creek Blvd., Suite 275, San Jose, CA, 95129
The Stonecrest family of businesses has been involved in real estate investing and financing since 1986.
We specialize in private money lending, but we are also a full service loan brokerage.
For borrowers with less than traditional bank qualifications, We provide private real estate loans at competitive rates, based primarily on equity.
KeyPoint Credit Union is an award-winning credit union based in Silicon Valley, with $1 billion in assets and over 58,000 members across California. We aim to improve people’s lives with a full line of financial products and services, while providing excellent rates, low fees, 24/7 access and personalized member service.
2975 Bowers Ave, Suite 315, Santa Clara, CA, 95051
We provide options & customized loan solutions for 1-4 unit residential purchase & refinance mortgages. Our goal is to zealously represent the consumer while collaborating and communicating with multiple parties, during a transparent process, in order to make sound, well-informed decisions in pursuit of your financial & homeownership dreams because
3400 El Camino Real, Suite 6, Santa Clara, CA, 95051
URI Financial have been provided Real Estate & Mortgage Lending services in Bay area since 1988. URI Financial, Inc. understands the importance of low interest rates when looking for financing. So we provide competitive wholesale interest rates that are generally lower than those you obtain at local retail lenders.
4675 Stevens Creek Boulevard, Suite 240, Santa Clara, CA, 95051
Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
4675 Stevens Creek Blvd suite 235, Santa Clara, CA, 95051
Stonecrest Financial have underwriting committee meetings every evening and will be able to give you a quick answer on your loan request. We underwrite to combined loan-to-value, story, and exit strategy. We are the direct decision-maker for our funds, and we can close in as quickly as one week.
4701 Patrick Henry Drive, Building 16, Suite 100, Santa Clara, CA, 95054
ERATE® is a nationwide publisher of financial and interest rate information specifically targeted for use by the consumer.
ERATE began as a prime-only mortgage brokerage and transitioned into a consumer resource site with the primary goal of helping consumers educate and protect themselves.
