USDA VS FHA 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.
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