For the current year, 2026, the USDA loan limit for Shafter, situated in the county of Kern, CA, is set at $345,100. By comparison, the FHA limit for a single-family home stands at $472,030.
Utilize Lendersa® USDA loan calculator to comprehensively compare today's top USDA and FHA rates. This tool helps you determine the required income, credit score, reserves, and documents to qualify. See a detailed comparison of USDA, FHA, Conforming, and VA options side-by-side with our advanced mortgage calculator. This will assist you in selecting the best program for your financial needs in Alabama.
Compare loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $345,100 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to ensure you receive the most suitable USDA or FHA loan swiftly and without hassle. Choose one of three starting paths that match you with lenders offering USDA loan programs.
The USDA home loan, also called a USDA mortgage or USDA rural development loan, is government-backed by the Department of Agriculture, available solely in rural areas. Unlike FHA loans, which mandate a 3.5% minimum down payment, USDA loans offer a zero down payment alternative.
Enter your location to find out if it qualifies for USDA rural housing loan?
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