FHA VS Conventional loan programs in Huntington-Beach, Orange County, California
In 2026, the Conventional loan limit for Huntington-Beach in the county of Orange, CA is $970,800. Meanwhile, the FHA limit stands at $970,800 for a single-family home.
The Lendersa® Conventional loan calculator is the ideal tool to compare today's best rates for Conventional, FHA, and USDA loans. You can evaluate the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator allows you to examine Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in selecting the program that best aligns with your financial requirements in CA.
Loan Limits and Downpayment Requirements for 2026 in Huntington-Beach, Orange County, CA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$970,800
3%
USDA
$657,900
0%
FHA
$970,800
3.5%
The table applies to zip codes: 92646
Different Options for Conventional and FHA Loans in Huntington-Beach, CA
The primary aim of Lendersa® is to facilitate swift access to the best Conventional, USDA, or FHA loans without unnecessary complications. Choose from three starting strategies to connect with matching lenders and loan programs.
9042 Garfield Ave. Suite 207, Huntington Beach, CA, 92646
Lends in California
With over 25 years of Mortgage Industry experience, The de Courcy group has proficiency in virtually every type of Real Estate Financing combined with a commitment to building lifelong relationships with our clients. The de Courcy Group is partnered with Seacliff Mortgage, a Mortgage Broker located in Huntington Beach, CA. We utilize cutting edge t
17011 Beach Blvd, Suite 900, Huntington Beach, CA, 92646
Lends in California
We are a family company located in Huntington Beach, California. We pride ourselves on providing the best service to every customer. This means being attentive to each person’s individual needs. We offer a wide range of loan programs that most other lenders are just simply not equipped to offer.
20902 Brookhurst Street Street, Suite 209, Huntington Beach, CA, 92646
Lends in California
Pacific Shores Financial Home Loans is an independent and part of American Capital Corporation, our larger parent company headquartered in El Segundo, California. We are a direct lender which gives us the ability to underwrite, approve and fund our own loans with our in house bank ACBN.
9114 Adams Avenue, Suite 570, Huntington Beach, CA, 92646
Lends in California
Sahakian Arvin is mission to make your mortgage process stress-free and transparent so you can buy your new home or refinance quickly with confidence. and also My goal is to help you truly understand everything about your mortgage before you commit to it. When you’re armed with the knowledge, you can make the right decisions every time
9042 Garfield Avenue, Suite 207, Huntington Beach, CA, 92646
Lends in California
SeaCliff Mortgage, we have access to hundreds of banks to be competitive and match up the right loan for each borrower. And not all banks are the same. Some will do what others won’t. This is the beauty of working with a knowledgeable broker and options that not every bank has to meet your needs.Our goal is your satisfaction.
9042 Garfield Avenue, Suite 307, Huntington Beach, CA, 92646
Lends in California
We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, and mortgages. Michael Robbins, our founder, has 29 years experience in the financial and mortgage lending industry. As a licensed broker and mortgage lending professional
485 E. 17th Street, Suite 200 & 202, Costa Mesa, CA, 92627
Lends in California
our full loan approval process is unique in comparison to the average lender's pre-approval process. My team is structured to provide a high level of customer service. Please contact us to inquire about the advantages of our VIP buyer program!”val process is unique in comparison to the average lender's pre-approval process.
485 E 17th Street, Suite 220, Costa Mesa, CA, 92627
Lends in California
American Heritage Lending is a retail mortgage company headquartered in Costa Mesa, CA. Established in 2004, American Heritage Lending was founded to be a company set apart from an already impacted market. Licensed in multiple states across the US, the premise of our company evolved into the pinnacle for our success.
2183 Fairview Road, Unit 217-D, Costa Mesa, CA, 92627
Lends in California
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.
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.
