USDA and FHA Pro and Con in Tehachapi, Kern County, CA
For the year 2026, the limit set for USDA loans in Tehachapi, located within the county of Kern in CA, is $345,100. At the same time, the FHA loan limit for a single-family home is established at $472,030. These limits define the maximum amount you may borrow under these loan programs, which are critical for anyone looking to finance a new home.
Utilize the Lendersa® USDA loan calculator to effectively compare today's most favorable USDA and FHA loan rates. This tool guides you in evaluating necessary factors like income, credit requirements, financial reserves, and the documentation needed to qualify. With our sophisticated mortgage calculator, you get a comprehensive side-by-side view of USDA, FHA, Conforming, and VA options, which helps you select the best-suited program for your unique financial scenario, especially in .
2026 Details on Loan Limits and Downpayment Requirements in Tehachapi, Kern, CA
Loan Type
Maximum Loan Limit
Down Payment Required
USDA
$345,100
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Tehachapi, CA
The objective of Lendersa® is to quickly secure the most suitable USDA or FHA loan for you without the typical inconveniences. You have the option to select from one of three starting approaches, each designed to connect you with lenders and USDA loan programs that match your specific needs.
The USDA home loan, insured by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. This type of loan is only available in rural localities. It offers a distinct advantage over FHA loans, which require a minimum 3.5% down payment, by not requiring any down payment, thereby enabling a broader range of potential homebuyers to secure housing in rural regions.
Founded in 2016 by a team of experienced agents, engineers, and innovators, Reali is an end-to-end real estate platform that makes the homeownership journey simple, affordable and stress-free every step of the way. By combining all disciplines under one roof from agents and loans to escrow and title Reali provides a seamless process.
675 Mariners Island Blvd, Suite 107, San Mateo, CA, 94404
Emerson Financial is an established Mortgage Loan Brokerage firm specializing in the financing of residential and investment property throughout California.and also Whether you are looking to refinance, buy your next home or starting as a first-time homebuyer, our loan officers are here. They will guide you through your transaction..
The San Mateo City Employees Federal Credit Union operates on the foundation of trust and respect for it’s members. This institution was created by employees and continues to serve employees, retirees and their family members with the goal of providing exclusive, lifetime benefits in a convenient manner while maintaining our history.
Ascend Mortgage was established in 2005 in San Mateo, CA to help make home ownership and home purchase financing affordable and available for residents of California. Headquartered in the San Francisco Bay Area where there is a diverse community we specialize in all aspects of Real Estate and we believe in a more personalized approach to lending.
135 West 25th Avenue, Suite 6914, San Mateo, CA, 94403
We are here to serve our community and bring happiness and stability to those around us by helping people find a place to call home. We specialize in building trust and lasting relationships with our clients and finding them the best deal at the right time in the right place. Established in 1990.
"Bay Area Realty Services is a full service Residential Real Estate Brokerage with offices in Palo Alto and San Mateo, serving mainly San Francisco, the Peninsula, the East Bay, and Silicon Valley/South Bay
Our services include the Listing of all types of Residential properties (for Sale or for Lease),"
We are a local mortgage brokerage firm with significant mortgage and financial experience comprised of both CPAs and Mortgage Professionals who have been in the mortgage business over 20 years.
Catharine Dombrowski is the Mortgage Broker, who is also a CPA (Certified Public Accountant). Catharine founded Lone Tree Funding & Mortgage in 2002
At MAI REALTY & LOAN, INSURANCE. We are a one stop shop for all your real estate needs from finding homes, to getting commercial and residential loans, and getting the insurance that protects both your home and your family.
We focus on making the process of buying a home or business easy for both our clients
2157 Country Hills Drive, Suite 206, Antioch, CA, 94509
E3 Realty & Loans is an all-encompassing Real Estate & Mortgage Brokerage with 20 years of combined Real Estate, Finance and Marketing Expertise. Our team consists of the most Empowered professionals in the industry who Elevate the lives of their clients by providing unparalleled knowledge and strategy that no one else can deliver
