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

In 2024, USDA loan limit in Phelan, county of San Bernardino, CA is $776,600 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Phelan, county of 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%

USDA and FHA loan options in Phelan, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Preferred Mortgage Svcs
  • 3137 Castro Valley Boulevard, Suite 207, Castro Valley, CA, 94546
  • Preferred Mortgage Services can help you achieve your goals. To set up the right Castro Valley, CA Mortgage plan for you, get in touch with us — we’re happy to help. David Shoffner have over 35 years of experience in Real Estate and Mortgage Lending. Put that experience to work for you.
  • Harvest Real Estate Group, Incorporated
  • 20876 Wilbeam Ave, Castro Valley, CA, 94546
  • Harvest Investments is a real estate group based in the San Francisco Bay Area. It was founded in 1991 as a collaboration between a husband and wife: he pounded the pavement for their clients while she managed the back-end coordinating of each real estate transaction. Their business grew steadily by word of mouth, expanding slowly.
  • BayCal Mortgage
  • 3553 Castro Valley Blvd, Suite H, Castro Valley, CA, 94546
  • "BayCal Capital is a client-focused and trustworthy company, providing ethical and sound advice in real estate & lending. Our team of professional Realtors and Mortgage Originators, come with an extensive amount of experience in the Real Estate industry, and are available at any time."
  • Spinner Mortgage
  • 205 DeAnza Blvd, Suite 269, San Mateo, CA, 94402
  • At Spinner Mortgage we treat every loan as if it were our own. Whether it’s a loan for an investment property, a construction loan, cash for college tuition, remodeling, or a first-time homebuyer’s mortgage, each situation is carefully evaluated and addressed in detail. The result is a loan custom-tailored to meet specific needs.
  • Become
  • 400 Concar Drive, San Mateo, CA, 94402
  • Become is an end-to-end financial optimization platform for SMBs. Its one-of-a-kind loan marketplace uses advanced algorithms to provide SMBs with customized funding offers to help them grow and successfully scale their business. In addition to its funding platform, Become’s BeProfit dashboard provides online SMBs with the tools.
  • Bay Mark Realty
  • 177 Bovet Road, Suite 100, San Mateo, CA, 94402
  • BayMark Financial, Inc. is a small, but efficient, full service mortgage brokerage firm located in the heart of the San Francisco Peninsula, specializing in the origination and servicing of short-term Trust Deed Notes. BayMark Financial is a real estate broker licensed by the California Bureau of Real Estate.
  • Commercial Mortgage Corporation
  • 1670 South Amphlett Blvd, Suite 214, San Mateo, CA, 94402
  • Commercial Mortgage Corporation offers the best personalized mortgage services available on the Internet - easy, convenient shopping for the best loan programs and most current rates available, together with the assistance of an experienced. For old fashion service, you will always work with a "live" loan officer to guide you through.
  • Simons & Company
  • 177 Bovet Road, Suite 600, San Mateo, CA, 94402
  • SIMONS & COMPANY is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial.