USDA Vs. FHA Pro and Con comparison in San-Bernardino, San Bernardino County, CA
For the year 2026, the loan limit for USDA in San-Bernardino, located in San Bernardino County, CA, stands at $381,800. Meanwhile, the FHA cap for a single-family house is $477,250.
Utilize Lendersa®'s USDA loan calculator to evaluate and contrast current USDA and FHA rates. Assess the necessary income, credit rating, reserves, and documentation needed for eligibility. Our sophisticated calculator presents a comparison of USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the most suitable program in for your financial needs.
2026 Loan Thresholds and Down Payment Requirements in San-Bernardino, San Bernardino County, CA
Type of Loan
Limit
Down Payment
USDA
$381,800
0%
FHA
$477,250
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loans in San-Bernardino, CA
The aim of Lendersa® is to secure the best USDA or FHA loan for you promptly and with ease. Choose from three starting points for matching lenders and USDA programs.
A USDA home loan is a government-backed mortgage provided through the Department of Agriculture. Known as a USDA rural development loan or USDA mortgage, it is available exclusively in rural areas. Unlike FHA loans that require a down payment of at least 3.5%, a USDA mortgage loan requires no down payment, offering significant accessibility.
11408 Shelbyville Rd, Suite 3, Louisville, KY, 40243
At 1st Look Mortgage, we take a consultative approach to the mortgage loan process by customizing each home financing solution to ensure our customers achieve their home financing needs and goals. Any Loan Officer can provide a loan; our mission is to get you the right loan! We have a great deal of experience working with all types of borrower.
913 Lily Creek Road, Suite 201, Louisville, KY, 40243
Our mortgage bankers know what they’re doing. They use the latest comparative analysis software which allows them to research and compare various loan programs to find the best option to meet your needs. We have mastered loan fulfillment software which is designed to streamline .
916 lily Creek Road, Suite 201, Louisville, KY, 40243
Buying a home is one of the most important decisions you’ll ever make. Why go through the process with a mortgage company that makes you feel like a number? Old Colonial Mortgage is a company founded on the idea that the mortgage business is an inherently personal businessone built on relationships and trust.
918 Lily Creek Road, Suite 202, Louisville, KY, 40243
"We are a mortgage lender dedicated to treating each and every client the “Fair Way”.
We believe in creating an individual experience for all of our clients to ensure that their home financing needs are met, and far exceed the industry standard when it comes to product knowledge, professionalism, and good old fashioned hard work"
Established in 2000, First Commonwealth Mortgage specializes in tailoring individual mortgage programs to meet specific borrower needs. It’s our goal to make financing your home as easy as possible through our commitment to superior customer service, highly-trained & licensed mortgage bankers, and wide-range of products and services.
From the beginning our primary focus here at Broker House Lending has been to be the “go to source” when shoppers are searching online for quality Louisville Mortgage Brokers.We seek to accomplish this through a “relationship building first” philosophy with our clients.We believe that following this practice has allowed us to grow steadily.
At Farm Credit Mid-America, people are more than a job title. Join a diverse team of people working together for a purpose — to secure the future of rural communities and agriculture. Farm Credit Mid-America has provided loans for farmers and rural residents across Indiana, Ohio, Kentucky and Tennessee for more than a century.
Rural 1st is the consumer lending division of Farm Credit Mid-America and offers specialized financing for those looking to fulfill their dream of country living. Rural 1st offers home loans – purchase and refinance, construction loans, lot loans, land loans and home equity loans in rural areas of Indiana, Ohio, Kentucky and Tennessee.
9204 Taylorsville Rd, Suite 214, Louisville, KY, 40299
We are Brokers. Not married to 1 specific bank or product line. We work with wholesale lenders nationwide. The general public doesn't have access to these lenders. You must be a wholesale broker. Lucky for you, we are. We consistently get clients the best mortgages available. We are committed to making getting a mortgage easy.
