USDA Vs. FHA Pro and Con comparison in Yucca-Valley, San Bernardino County, CA

As of 2025, the USDA loan limit set for Yucca-Valley in San Bernardino county, CA, is $381,800; in contrast, the FHA limit for a single-family home is $477,250.

To compare today's USDA and FHA rate offers, use the Lendersa® USDA loan calculator. It provides insights into income, credit, reserves, and paperwork needed for eligibility. With our advanced mortgage calculator, you can see comparisons of USDA, FHA, Conforming, and VA loan options side by side, helping you determine the best financial choice in .

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Loan limits and down payment needs in Yucca-Valley, San Bernardino, CA for 2025

Loan Type Loan Limit Down Payment
USDA $381,800 0%
FHA $477,250 3.5%
Conventional Conforming $548,250 3%

Explore USDA and FHA loan choices in Yucca-Valley, CA

Lendersa® is committed to helping you quickly find the optimal USDA or FHA loan without stress. You can choose from three starting options that link you to matching lenders and their USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, administered by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, is solely for rural areas. It contrasts with FHA loans by not requiring a minimum down payment of 3.5%, as no down payment is necessary for the USDA mortgage.

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



  • TCH Mortgage
  • 1101 Miranda Lane, Kissimmee, FL, 34741
  • Hector is a Senior Mortgage Broker with TCH Mortgage. He created TCH Mortgage because he saw the need that hispanics in Central Florida had for a spanish speaking advisor although he has helped many customers from different backgrounds with excellent results. Hector works not only in FHA, Conventional and VA
  • Stewart Capital Lending Inc
  • 111 East Monument Avenue, Suite 338, Kissimmee, FL, 34741
  • "Stewart Capital Lending is a client-focused financing company specializing in commercial, residential, and private loans. Our CEO and chairman, Mr. Glen A. Stewart, has more than 33 years of experience in the financial and real estate industry, including many years spent as an insurance broker, residential home builder,"
  • The Advanced Mortgage Group LLC
  • 3497 West Vine Street, Kissimmee, FL, 34741
  • The Burnham Financial, has over 30 years of experience in Mortgage Lending. Our passion to help others achieve the dream of home ownership is what drew us to a career in mortgage lending. We understand that each of our clients are different, and we work hard to help them with their immediate and long-term financial goals.
  • Prime Choice Lending LLC
  • 2351 Rapollo Dr, Kissimmee, FL, 34741
  • We strive to obtain the perfect mortgage program to meet your individual needs. We will make sure you have all the available mortgage options to review so you can make the best decision possible. We know that every client has specific needs, so we strive to meet those needs with a wide array of mortgage products.
  • 1st Option Mortgage LLC
  • 722 Patrick Street, Kissimmee, FL, 34741
  • We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for home loans that are right for you. Family owned and operated with the knowledge to help get you in the home of your dreams. Mortgage Brokers have access to more competitive interest rates.
  • Banczone
  • 123 S Clyde Ave, Suite 201, Kissimmee, FL, 34741
  • 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.
  • Butler Mortgage
  • 1012 W. Emmett Street, Suite B, Kissimmee, FL, 34741
  • Butler Mortgage was established in 1994 to serve the residential mortgage lending needs of the people of St. Cloud, Kissimmee, Harmony, Lake Nona and throughout Osceola County. We have had the pleasure and privilege to work with thousands of our neighbors, and have built deep roots as a trusted business in our community.
  • BIZCAPFUND INC.
  • 111 Tonowanda street, Buffalo, NY, 14207
  • Commercial Loan Specialists looking to connect with Real Estate Investors to provide a superior service for any of your Lending, Investment or Funding needs. For any Commercial Real Estate or Business Purpose Loans, or to ask about our Real Estate Birddog Service that caters to off-market properties, give us a call. Be sure to visit our socials to
  • Ridge View Mortgage
  • 231 E. Tillman Ave, Lake Wales, FL, 33853
  • At Ridge View Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.