FHA VS Conventional loan programs in Irvine, Orange County, California

For the year 2026, in Irvine, located in the county of Orange, CA, the loan limit for a Conventional loan is set at $1,089,300, whereas the FHA loan limit is $1,089,300 for single-family residences.

Use the Lendersa® Conventional loan calculator for comparing today's finest rates including Conventional, FHA, and USDA. It helps establish the necessary income, credit profile, reserves, and documentation to meet qualification criteria. Our advanced tool lets you evaluate Conforming Conventional loans, alongside USDA, FHA, and VA options, ensuring you choose the most fitting program within CA.

View loan offers from a spectrum of 100 lenders

2026 Information: Loan Limits and Downpayment Criteria for Irvine, County of Orange, CA

Loan Type Loan Limit Down payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

These figures are applicable to the following zip codes: 92617

Available Conventional and FHA Loan Choices in Irvine, CA

The aim of Lendersa® is to quickly and easily connect you with suitable Conventional, USDA or FHA loan options. Begin by selecting from three available paths that lead to matching lenders and relevant loan programs.

USDA loan request and matching results via Lendersa


Irvine Lenders

  • Home Loan Enterprise
  • 5151 California Ave, Suite 100, Irvine, CA, 92617
  • Lends in California
  • Home Loan Enterprise is a mortgage lending company that helps everyone get competitive mortgage rates and fees. Using the best technology tools enables clients to get through the home buying and refinance process as easy as possible. We believe everyone can minimize the cost of their mortgage.

  • Kertin Mortgage Group
  • 5151 California Avenue, Suite 100, Irvine, CA, 92617
  • Lends in California
  • We are committed to providing outstanding customer service and the lowest home loan rates to our clients. Whether you are purchasing a new home, or refinancing your existing residence, Kertin Mortgage Group offers you the best available loan programs, trustworthy advice, and will handle your loan in a professional manner.

  • Brave Mortgage
  • 2101 business center Dr STE 230, Irvine, CA, 92612
  • Lends in California
  • Brave Mortgage simplifies home financing with tailored solutions that empower homebuyers. Led by Jason Ariazand, our team offers expert advice and personalized service to help you secure the best mortgage options. Trust Brave Mortgage to guide you confidently through your homeownership journey. Contact us today at jason@bravemortgage.com or 818-873

  • Brave Mortgage, Inc
  • 2101 Business Ctr Dr. Ste 230, Irvine, CA, 92612
  • Lends in California
  • We offer creative financing that includes DSCR, bridge, short term and long term financing for all investor/business purpose nationwide. We service all property types including, but not limited to, industrial, retail, mixed use, multifamily, and single family. Fast turn times and competitive rates.

  • EBSC Lending
  • 18575 Jamboree Rd, Irvine, CA, 92612
  • 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, mortgages and best of all quality service and individual attention. We have underwritten over $1 billion of real estate transactions. We execute consistently, quickly and effectively. We provide investment proper

  • Commercial Bank of California
  • 19752 Macarthur Boulevard, Irvine, CA, 92612
  • Lends in California
  • CBC is one of the nation’s highest capitalized banks, ranking in the top 6 percent. A full-service, FDIC-insured, community bank headquartered in Irvine, California, CBC is owned, built and run by entrepreneurs for entrepreneurs. Local business leaders such as William Lyon, Paul Folino, and Alex Meruelo serve on the Board of Directors.

  • Mission Loans, LLC
  • 19500 Jamboree, Suite 300, Irvine, CA, 92612
  • Lends in California
  • Whether you’ve been dreaming of buying your first home with your young family or of diversifying your investment portfolio with real estate, you’re in the right place. Mission Loans is a leader in homeownership, & it’s our primary goal to make your dreams a reality.

    With us, you get a range of diverse loan options from experienced lenders who

  • Diversified Mortgage Co.
  • 2081 Business Center Drive, Suite 155, Irvine, CA, 92612
  • Lends in California
  • DMC Inc. / Diversified Mortgage Co. is a duly licensed California Real Estate brokerage firm, licensed by the California Department of Real Estate, Lic. #01085780, and is also an associate member of the California Mortgage Association and we are in good standing with the Better Business Bureau (BBB). NMLS License #336445

  • Excellent Solutions
  • 2600 Michelson Drive, Suite 920, Irvine, CA, 92612
  • Lends in California
  • Excellent Solutions customizes short term, non-conventional loans. In doing so we require minimal paperwork to close a loan and also Excellent Solutions is the lending arm of Excellent Capital, a Southern California family office with deep expertise in real estate backed loans for acquisitions, fix-and-flip, refinance, development

  • LendBee
  • 18881 Von Karman Ave, Suite 1000, Irvine, CA, 92612
  • Lends in California
  • LendBee is a direct lender offering a wide range of products from home equity lines of credit, traditional loans and even options tailored towards self-employed and low credit borrowers. We pride ourselves in understanding the unique needs of our customers to provide the best possible value while exceeding expectations.