Explore the differences! 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.
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, 92614, 92612, 92618, 92620, 92602, 92603, 92604, 92606, 92616, 92619, 92650, 92697, 92698
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.
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