USDA Vs. FHA Pro and Con comparison in Rancho-Cucamonga, San Bernardino County, CA
As of 2025, USDA loan caps in Rancho-Cucamonga, located in San Bernardino county, CA, are set at $381,800, while FHA caps are $477,250 for single-family residences.
Utilize the Lendersa® USDA loan calculator today to compare the competitive USDA and FHA rates, assessing income, credit, reserves, and documentation necessary for qualification. With our comprehensive mortgage calculator, you can scrutinize USDA, FHA, Conforming, and VA options side-by-side, aiding your decision on the best program in the state of for your unique financial circumstances.
2025 Loan Maximums and Downpayment Requirements in Rancho-Cucamonga, San Bernardino County, CA
Program Type
Maximum Loan
Initial Payment
USDA
$381,800
0%
FHA
$477,250
3.5%
Conventional
$548,250
3%
Exploring USDA and FHA Loans in Rancho-Cucamonga, CA
Lendersa® is committed to swiftly securing you the optimal USDA or FHA loan, devoid of complications. Choose from three initial steps to connect with matching lenders and explore USDA loan possibilities.
A USDA home loan signifies a government-backed mortgage loan via the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, accessible only in rural segments. Contrary to FHA loans requiring a 3.5% down payment, USDA mortgages necessitate no down payment at all.
Preferred Financial Services, Greenville, SC has always been to create an opportunity for home owners and home buyers to purchase or refinance their home at a rate that would not only be affordable and lower than any other mortgage company in South Carolina, but would enhance their home buying experience and their bottom line.
We offer full mortgage services because our clients have different needs. Every situation is different, and what’s best for one person may not be ideal for another. We’re committed to consulting individually with every client to ensure we fit each one with the best product possible.
Lima One Capital, LLC is a National, fully capitalized, direct lender for residential real estate investors and homebuilders. We are revolutionizing the investor financing industry with our highly competitive and straightforward rates, the length of our loans, and our unmatched customer service.
Greenville Federal Credit Union is a community-responsible financial institution providing the highest quality of service and financial education to all our member-owners. We build member prosperity by providing access to affordable financial services. Headquartered in Greenville, South Carolina, Greenville Federal Credit Union was founded in 1968
GrandSouth Bank is a South Carolina state bank, which was incorporated and commenced operations as a commercial bank in 1998. The Bank operates from its offices in Greenville, Fountain Inn, Greer, Anderson, Columbia, and Orangeburg. Also, the Bank has expanded into the lowcountry area of South Carolina with a new location in Charleston.
Shellpoint Mortgage Servicing manages (or “services”) mortgage loans after mortgage lenders originate them. On behalf of our lender and investor clients, we accept and process mortgage payments from more than 1.7 million homeowners nationwide. In recent years we’ve grown to become America’s 5th-largest non-bank mortgage servicer.
World Finance has been helping people realize their financial goals by offering fixed rate and payment loan solutions. With branches nationwide, we are part of the communities in which we serve. Our branches are staffed with friendly, knowledgeable team members who live and work right in your town.
First Bank and Trust Company is a relationship-driven and community-focused financial institution that provides personal and commercial banking products and services across its 31 locations in Virginia and Northeast Tennessee.
The First Bank & Trust Company is a diversified financial services firm with 22 full-service Branches
