For 2025, the USDA loan limit in Ridgecrest, within Kern county in CA, is set at $345,100, whereas the FHA limit is $472,030 for a single-family dwelling.
Make use of the Lendersa® USDA loan calculator to compare today's optimal rates for USDA and FHA loans. It helps determine the required income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, guiding you to choose the best program in Alabama for your financial situation.
2025 Loan Limits and Down Payment Requirements in Ridgecrest, Kern, CA
Loan Type
Loan Limit
Down Payment
USDA
$345,100
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Ridgecrest, CA
The goal at Lendersa® is to efficiently provide you with optimal USDA or FHA loans without undue complexity. Choose from three starting options to find matching lenders and relevant USDA loan programs.
The USDA home loan, or USDA rural development loan, is guaranteed by the government via the Department of Agriculture, available only in rural areas. FHA loans require at least a 3.5% down payment, whereas USDA mortgage loans require no down payment at all.
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