USDA Vs. FHA your options comparison in Wasco, Kern County, CA

For the year 2026, the USDA loan limit in Wasco, located in the county of Kern, CA, is $345,100. The FHA limit for single-family homes is $472,030.

Take advantage of the Lendersa® USDA loan calculator to compare current USDA and FHA rate offerings. This can assist you in understanding the income, credit score, reserves, and documents needed to qualify. Our advanced calculator lets you compare USDA, FHA, Conforming, and VA loans side by side, helping you choose the best option for your financial situation in Alabama.

Compare loan offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Wasco, 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 Wasco, CA

The aim of Lendersa® is to provide you with the best USDA or FHA loan quickly and without hassle. There are three starting points to match lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

USDA home loans are backed by the government Department of Agriculture and are available only in rural areas. Known as USDA rural development loans or USDA mortgages, they require no down payment, unlike FHA loans which need at least a 3.5% down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Sam Yoder Mortgage Team
  • 2500 W 2nd Ave, Suite 4, Indianola, IA, 50125
  • Journey Mortgage was created to bridge the gap between high end technology and “keeping it local”. We think everyone deserves the opportunity to use the technology that is available at the large lenders and still provide the local presence. We want you to be a friend and customer for life! Let us help you and your family along your journey!

  • Atrich LLC
  • 350 North Sam Huston Parkway East, Suite101, Houston, TX, 77060
  • Atrich is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools

  • Money Man 4 Business
  • 363 N Sam Houston Pkwy E, Suite 1100, Houston, TX, 77060
  • We are an independent sales office that provides loan programs to small and medium size business.Money Man 4 Business can provide valuable working capital to strong, under-served businesses in any industry without the issues usually associated with traditional bank loans. In fact,we have already helped thousands of merchants all across the country.

  • Old Ocean Federal Credit Union
  • County Road 359 FM 524, Old Ocean, TX, 77463
  • Old Ocean Federal Credit Union was established in 1949. We are a federally chartered credit union, abiding to the strict regulations monitored and enforced by the National Credit Union Administration (NCUA). NCUA also insures each member’s deposits for up to $250, 000. You can rest assured your money is in a safe place.

  • Des Moines Metro Credit Union
  • 100 University Avenue, Des Moines, IA, 50314
  • Des Moines Metro Credit Union was established in 1938 to serve the employees of the city of Des Moines. Throughout the years, we have grown to serve other large and small employer groups, such as Unity Point, DART, and Warren County. In 1997, we became a community credit union, which allows us to serve those who live and work in Polk County.

  • Neighborhood Finance Corporation
  • 1912 6th Ave, Des Moines, IA, 50314
  • NFC provides unique lending programs & other services to facilitate neighborhood revitalization in Polk County & Cedar Rapids, Iowa through partnerships with residents, governments, community-based organizations, lending institutions & the business community. To date, NFC has provided more than $250, 000, 000 in loans and grants in its lending area

  • The First National Bank of Osakis
  • 211-213 Central Ave, Osakis, MN, 56360
  • Since 1903, First National Bank of Osakis has served as the lead financial organization in the Osakis Area community, providing customized guidance, resources, and products (checking, savings, money markets, certificates of deposits, individual retirement accounts, health savings accounts, residential mortgage loans, commercial Mortgage loan.

  • Premier Credit Union Credit Union of Des Moines
  • 800 9th Street, Des Moines, IA, 50309
  • Premier Credit Union is your community credit union located in Des Moines, Iowa with branch locations in West Des Moines and Ames. We’re proud to support our members with the financial resources, lending opportunities and digital banking solutions they need. Premier Credit Union began as Bankers Life Employees Credit Union on September 11, 1933.

  • Polk County Credit Union
  • 111 Court Avenue, Room 110, Des Moines, IA, 50309
  • Our membership is a closed membership limited to Polk County employees, Broadlawns Hospital employees, city of Altoona employees, Heartland AEA employees, and Fifth Judicial employees. We have been in existence since 1955. The credit union has assets totaling $7.27 Million and provides banking services to more than 700 members.

  • Federal Home Loan Bank of Des Moines
  • 909 Locust Street, Des Moines, IA, 50309
  • Federal Home Loan Bank of Des Moines is one of 11 regional Banks that make up the Federal Home Loan Bank (FHLBank) System. Established by Congress in 1932 to support mortgage lending, the FHLBanks are a stable source of funding for more than 7, 300 federally insured depository institutions of all sizes and types. Including Banks, Credit Unions.

  • Bankers Trust Company
  • 453 7th St, Des Moines, IA, 50309
  • For more than 100 years, Bankers Trust has been a leading financial institution for commercial and consumer banking services. Headquartered in Des Moines, Iowa, Bankers Trust is the largest privately held financial institution in the state, and employs 565 people across the country.

  • Gooi Mortgage, Inc
  • 400 Locust St, Suite 330, Des Moines, IA, 50309
  • The Gooi Mortgage team has an extensive background in all functions of mortgage banking, including fulfillment and consulting services for lenders of all sizes.

    We deliver a seamless, end-to-end fulfillment solution for smaller lenders, creating the best mortgage loan experience possible.