In 2026, the limit for USDA loans in Oak-Hills, county of San Bernardino, CA, is $381,800, while for FHA loans, the cap is $477,250 for a single-family home.
Utilize the Lendersa® USDA loan calculator to compare the top rates for USDA vs FHA loans and to identify the income, credit level, reserves, and documents necessary to qualify. Our sophisticated mortgage calculator enables side-by-side comparisons of USDA, FHA, Conforming, and VA options, guiding you to choose the most suitable program for your financial situation in Alabama.
Review loan options from 100 different lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $381,800 | 0% |
| FHA | $477,250 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to efficiently secure the best possible USDA or FHA loan with minimal effort. Start with any of these three options, which connect you with compatible lenders and USDA loan options.
A USDA home loan is a government-backed mortgage guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, 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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