FHA VS Conventional loan programs in 2025 for Costa-Mesa, Orange County, California

In 2025, the maximum amount for conventional loans in Costa-Mesa, located in the county of Orange, CA, is $970,800. Meanwhile, the FHA limit for a single-family home is $970,800.

Utilize the Lendersa® Conventional loan calculator to compare the latest rates between Conventional, FHA, and USDA loans. It helps determine necessary income, credit levels, reserves, and documents required for qualification. Our enhanced mortgage calculator shows side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans to aid your decision-making process for picking the best program suited to your financial circumstances in CA.

Explore loan offers from over 100 lenders

Loan Limits and Down Payment Requirements for 2025 in Costa-Mesa, Orange, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

These parameters apply to the following zip codes: 92626, 92627, 92628

Exploring Conventional and FHA Loan Options in Costa-Mesa, CA

The purpose of Lendersa® is to quickly and easily assist you in obtaining the most competitive Conventional, USDA, or FHA loans. Choose one of three starting options to find lending programs and suitable lenders.

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  • California Housing and Lending, Inc
  • 3456 Camino Del Rio N. Suite 206, San Diego, CA, 92108
  • California Housing and Lending we are passionate about ensuring that our clientele experience the utmost exceptional service when dealing with our outstanding personnel. We take strong pride in educating our consumers from start to finish being fully present in every step of the transaction through our full package of real estate.
  • Veterans United Home Loans of San Diego
  • 6863 Friars Road, Suite 100, San Diego, CA, 92108
  • The VA home loan was created in 1944 by the United States government to help returning service members purchase homes without needing a down payment or excellent credit. This historic benefit program has guaranteed more than 24 million VA loans, helping veterans, active duty military members and their families purchase or refinance a home.
  • WindVest Corporation
  • 3131 Camino Del Rio North Suite # 310, San Diego, CA, 92108
  • Windvest was founded in 1994 as a privately held real estate investment firm focused on opportunistic commercial and residential real estate investment projects. In addition to our own investment activities we operate as a direct lender.Dr. Carlos Jimenez is the Chairman and Founder of Windvest Corporation.
  • KPL Select Mortgage
  • 2583 N. Palm Canyon Dr, Suite 200, Palm Springs, CA, 92262
  • KPL Select Property Management, Inc., is a full service property management company with over 20 years of experience managing residential, commercial and vacation properties throughout Southern California. We specialize in the rental and management of Single Family Homes and Multi Unit Residential properties in the greater Los Angeles Area
  • Desert Empire Mortgage
  • 1111 East Tahquitz Canyon Way, Suite 121, Palm Springs, CA, 92262
  • Desert Empire Mortgage Clients purchasing and refinancing their real estate and or business, including commercial property and personal residences, second homes, and investment properties. We specialize in SBA, FHA, VA, USDA, Conventional and other types of commercial and residential home loans.
  • American Lenders Annex
  • 500 West Yorba Road, Palm Springs, CA, 92262
  • 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.
  • Kaiser Financial Services
  • 121 South Palm Canyon Drive, Suite 207, Palm Springs, CA, 92262
  • Kaiser Financial Services, Inc in Palm Springs, CA received a Paycheck Protection Loan of $2, 083 through Bank of America, National Association, which was approved in May, 2020. Kaiser Financial Services, Inc is a corporation located at 121 S Palm Canyon Dr Ste 207 in Palm Springs, California.
  • MortgageWorks, Inc.
  • 1111 East Tahquitz Canyon Way, Suite 121, Palm Springs, CA, 92262
  • 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.
  • Contempo Lending, Inc
  • 475 E. Tahquitz Canyon Way, Palm Springs, CA, 92262
  • "Contempo Lending, Inc. We are a locally owned and operated Mortgage Broker located in beautiful Palm Springs, CA. When you choose Contempo Lending as your mortgage broker you are promised outstanding service and you can have the confidence that you are getting the best rate possible."
  • Direct Capital Funding
  • 333 N. Lantana Street, Suite 100, Camarillo, CA, 93010
  • DC Funding was founded on the idea and principle of building a better living with excellent support and service.We focus on incorporating and mastering the latest technologies & procedures keeping our associates above the crowd.Our team of professionals set a stronger standard of business, abide by a strict code of ethics and give superior service.
  • Mortgage and Realty Professionals: Home Loans & Mortgage Refinance
  • 4024 Ibis Street, Suite B, San Diego, CA, 92103
  • Chris joined Mortgage and Realty Professionals in 2016 after graduating from the University of San Diego with a Bachelor of Business Administration – BBA, Finance, where he has since distinguished himself as the go to loan specialist amongst friends, family, agents, and past clients.