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

In 2026, 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 2026 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.

Lendersa USDA loan request results


  • iApprove Lending
  • 949 South Coast Drive, Suite 260, Costa Mesa, CA, 92626
  • iApprove Lending was established in 2006 by a management team with over 20 years of experience. Even after going through the worst mortgage industry crisis in over 70 years, we still remained solid. IAL is committed to provide the best customer service to the broker community. We will constantly improve our technology.

  • Intelliloan
  • 3090 Bristol Street, Suite 600, Costa Mesa, CA, 92626
  • "We are proud to have an extremely high Customer Satisfaction ratings with TrustLink, Lending Tree, and Facebook. We've been in business for over 20 years, and have been members of the BBB since 1999.

    What sets Intelliloan apart is our customer service. We care about our clients and train our team to listen and educate,"

  • G. W. Golden Financial
  • 959 South Coast Drive, Suite 210, Costa Mesa, CA, 92626
  • G.W. Golden Financial all of our licensed representatives have been hand picked based on their character, passion for helping others & their real desire to make a difference in people’s lives on a daily basis.They are then highly trained over a ten week training program.We offer a large assortment of mortgage products at extremely competitive rates

  • Lockarate, Inc.
  • 3183-E Airway Ave, Costa Mesa, CA, 92626
  • 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.

  • Greenkey Financial, Inc
  • 3100 Airway Avenue, Suite 131, Costa Mesa, CA, 92626
  • Greenkey Financial was built to create a safe place for clients to buy their dream home, refinance& seek financing needs. Greenkey’s fierce recruiting standards ensure that our clients are always working with the best, most experienced loan officers, processors & lendors to ensure a seamless, trustworthy & positive experience from beginning to end.

  • Landmark Mortgage Capital Inc
  • 695 Town Center Drive, Suite 650, Costa Mesa, CA, 92626
  • Landmark Mortgage Capital, we strive to keep a high standard of excellence for clients and employees. We offer comprehensive residential mortgage loan programs from A paper to Alt-A with the best investors in the marketplace. Our team is lead by seasoned Loan Officers and experienced Mortgage Executives who are driven to maintain a fast-paced, prod

  • FlexPoint Mortgage Corporation
  • 151 Kalmus Drive, Suite D-102, Costa Mesa, CA, 92626
  • FlexPoint Mortgage Corporation We are a conglomerate of mortgage professionals that are knowledgeable and understand what it takes to fund loans as quickly and seamlessly as possible. Most importantly, we are known for our experience and service. We work to simplify the lending process while keeping you informed, up to date.

  • Lending Corner Inc
  • 940 South Coast Drive, Suite 155, Costa Mesa, CA, 92626
  • The Lending Corner Team is composed of true mortgage professionals. All of our originators are principals in the company carrying over 10 years experience and work together to provide you a level of service and professionalism unsurpassed in the industry. Whether you are financing a new home purchase or refinancing an existing loan.

  • Bayfront Lending LLC
  • 3001 Red Hill Avenue, Building 2, Suite 219, Costa Mesa, CA, 92626
  • "Bayfront Lending, we believe you deserve a team of experienced professionals who have your best interest in mind, not a sales commission.

    And we understand that quality customer service and a streamlined process are just as important as the best rate and most favorable loan structure"

  • Prominent Lending Group Inc.
  • 600 Anton Boulevard, Floor 11, Costa Mesa, CA, 92626
  • Prominent Lending Group, Inc., enjoys assisting current and prospective homeowners in obtaining residential 1st and 2nd home loans on 1 to 4 unit primary, secondary, and investment properties throughout the states of California and Montana. Our dedicated mortgage professional teams work hard to deliver the highest customer service.

  • Loan Direct LLC
  • 245 Fischer Ave, Suite A5, Costa Mesa, CA, 92626
  • Loan Direct LLC mission is to serve our clients with the upmost honesty, integrity and competency. Our goal is to provide home loans, personal loans, and business loans to our clients while providing them with the most lending options for their particular situation. Furthermore, we pledge to help borrowers overcome roadblocks.