USDA and FHA Pro and Con in Victorville, San Bernardino County, CA
In the current year, 2025, the USDA loan limit for Victorville, located in the county of San Bernardino, CA, is set at $776,600. Conversely, the FHA loan limit for a single-family home stands at $1,089,300 in the same location.
To explore and compare today's leading rates between USDA and FHA loans, use the Lendersa® USDA loan calculator. This tool helps identify the necessary income level, credit score, reserve funds, and documentation needed for qualification. With our advanced mortgage calculator, you can examine and compare USDA, FHA, Conforming, and VA loans side by side, ensuring you choose the most suitable program in for your financial situation.
2025 Loan Limits and Downpayment Requirements in Victorville, San Bernardino, CA
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Victorville, CA
Lendersa® is committed to quickly facilitating access to the best USDA or FHA loan options with minimal hassle. Begin your journey with one of three paths designed to align you with matching lenders and the most suitable USDA loan programs.
The USDA home loan is a government-backed mortgage offered by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. It is solely available in designated rural areas. Distinct from FHA loans that mandate a minimum down payment of 3.5%, USDA loans require no down payment, offering a favorable option for eligible borrowers.
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