USDA VS FHA in Wasco, Kern County, CA

In 2025, USDA loan limit in Wasco, county of Kern, CA is $345,100 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Wasco, county of Kern, CA

Loan Type Loan Limit Down payment
USDA $345,100 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Wasco, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • ABM Realty Group Inc.
  • 11600 West Washington Place, Suite 111, Los Angeles, CA, 90066
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • E3 Capital Partners
  • 10659 W. Pico Blvd, Los Angeles, CA, 90066
  • E3 CAPITAL PARTNERS® is a Real Estate mortgage, finance, brokerage, consultancy for Commercial and Residential Real Estate. E3 Capital partners underwrites/ corresponds with over 200 lenders for ALL property types, ALL borrower types, ALL loan product types. BROKERAGE: Client Representation to list and sell homes.
  • CP Financial and CP Realty Inc.
  • 12012 West Washington Boulevard, Suite C, Los Angeles, CA, 90066
  • CP Financial and CP Realty Inc. is a Direct Lender committed to making the lending process easy. Our philosophy is simple: "WHAT CAN WE DO TO MAKE IT WORK" We will work diligently in helping you find the right mortgage product for your needs. We understand that every borrower is different
  • David Diaz-Equity Smart Home Loans
  • 12655 W. Jefferson Blvd., Fl 4, Los Angeles, CA, 90066
  • David Diaz and his team has helped the Los angeles community for over 15 years. We are EquitySmart Home Loans a full service mortgage brokerage located in Los Angeles, California and the leading brokerage in So Cal for over 17 years. Broker HUD approved with over 100 lenders / banks specializing in Jumbo
  • JK&Associates
  • 4499 Via Marisol, Suite 222B, Los Angeles, CA, 90042
  • Our ultimate goal is to find the perfect fit for you and your family and to make you feel great about the mortgage. JK&Associates is ready to be right by your side and help you along this journey, comparing hundreds of mortgage options to find what is best for you. and also experienced team of Mortgage Advisors guide you.
  • American Financial Center
  • 790 Terrace 49, Los Angeles, CA, 90042
  • We handle the job from start to finish of getting you into the home of your dreams. Our real business is you. Give yourself options with a variety of our programs from FHA, VA, Conventional, and more! You can count on us to deliver efficient service to lower your current payment or help you receive cash out
  • Equity Funding Source
  • PO Box 421327, Los Angeles, CA, 90042
  • Equity Funding Source, Inc. is a mortgage broker that specializes in arranging loans directly for borrowers who, for the most part, are property owners, buyers or developers with substantial cash equity in the property and who often provide personal guarantees. This California mortgage brokerage specializes in private money equity loan sources.
  • Episcopal Federal Credit Union
  • 840 Echo Park Ave, Los Angeles, CA, 90026
  • The Episcopal Community Federal Credit Union is an Economic Justice Ministry within the Diocese of Los Angeles The Episcopal Community Federal Credit Union is a very diverse credit union with 40 percent of its membership being Hispanic, 30 percent African American, 20 percent Caucasian.
  • Real Estate Plus +
  • 701 N. Alvarado Street, 2nd Floor, Los Angeles, CA, 90026
  • We believe in becoming a responsible corporate business partner while providing sellers, buyers, and corporate clients our services with efficiency, technology, and communication. Assuring all clientele that our knowledge and integrity can be trusted to receive the expected results for success.
  • Carbarr Funding
  • 701 North Alvarado Street, 2nd Floor, Los Angeles, CA, 90026
  • Carbarr Funding is a California based brokerage approved in accordance to the Frank & Dodd act under the auspices of the California Department of Real Estate and dully registered with the Nationwide Licensing Registry System. The company specializes in mortgage lending catering diverse financing options for today's complex real estate market.
  • Molina Financial Services Inc.
  • 1382 W. Sunset Boulevard, Los Angeles, CA, 90026
  • Molina Financial Services specializes in helping our clients reach their Real Estate Financing objectives. We have helped countless families purchase their first home by matching their personal financial goals with the best loan programs. We have also helped countless investors finance their real estate investment projects
  • ERIC MOBLEY REALTY
  • 5803 Bowcroft St UNIT 3, Los Angeles, CA, 90016
  • Direct Lender and Real Estate Professional, we have over 40 years in the Real Estate industry. Licensed California Real Estate Broker Independent Consultant and Real Property Acquisition Specialist. We deliver the expertise you need and facilitate all aspects of Residential and Commercial Real Estate transactions