Explore the differences! FHA VS Conventional loan programs in Placentia, Orange County, California

During 2025, in the city of Placentia, situated in Orange county, CA, the limit for a Conventional loan is currently $1,089,300. However, the FHA loan limit for a single-family home is $1,089,300.

To evaluate the best rates available today for Conventional, FHA, and USDA loans, use the Lendersa® Conventional loan calculator. Determine the necessary information such as income, credit, reserves, and documentation to qualify. This advanced mortgage tool lets you place Conforming Conventional, USDA, FHA, and VA loans alongside each other, clarifying which option in CA best matches your financial needs.

Investigate loan offers from a selection of 100 lenders

Understanding Loan Limits and Down Payment Needs for 2025 in Placentia, Orange County, CA

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

This table address applies to the following zip codes: 92870, 92811, 92871

Exploring Loan Options: Conventional and FHA Programs in Placentia, CA

Lendersa® is committed to finding you the optimal Conventional, USDA, or FHA loan with speed and ease. Choose one of three pathways to align with suitable lenders and loan programs.

Results of Lendersa USDA loan request and matching


  • Bailey Mortgage Enterprises Inc
  • 934 H St, Arcata, CA, 95521
  • At Bailey Mortgage, our mission is to set a high standard in the mortgage industry. We are a local, family owned and operated mortgage brokerage firm with over 30 years experience. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by calling
  • The First National Bank of Layton
  • 12 South Main Street, Layton, UT, 84041
  • At First Community Bank, we don't aspire to a vision of transacting business. We aim for transforming lives. Everything we do as a bank goes towards helping our customers become empowered and succeed financially. When you bank with First Community, your banker is more than just a face in the crowd.
  • Finance With Steve
  • 1133 N Main St, Suite 150, Layton, UT, 84041
  • Steve have been Home Mortgage Loans expert in Utah, doing home loans since 1996. He have the experience to walk you through any issues, concerns or circumstance. Steve can help you if you've had a bankruptcy, or foreclosure and He can show you how to easily become a real estate investor.
  • IntroLend Utah
  • 579 Heritage Park Blvd, Suite 201, Layton, UT, 84041
  • At IntroLend™ our mission is to greatly simplify the application, pre-approval and shopping phase of the housing finance process. Core to our value and services is to ensure that every client receives a competitive bid from multiple local and top-ranked mortgage and personal finance professionals.
  • Salt Creek Mortgage LLC
  • 377 North Main Street, Layton, UT, 84041
  • Helping clients achieve their dream of home ownership is one of the greatest rewards of being a Mortgage loan officer. With over 12 years of experience in the Mortgage Industry, Todd Heath take his passion for helping others to a reality. As a Mortgage Professional, Todd committed to providing transparency to my clients.
  • Utah Independent Mortgage Corp
  • 1544 North Woodland Park Drive, Suite 320, Layton, UT, 84041
  • We are an independent mortgage brokerage. We work for our clients, not any particuler lander. We match our clients'​ needs and qualifications with the best-fitting rates & products from our many national lending partners.We are a team of caring experts – ready to guide & support each client on their bold journey to a new home.
  • Clear Capital Group
  • 240 N. East Promontory, Suite 200, Suite 4428, Farmington, UT, 84025
  • Clear Capital Group provides funding solutions for small and mid-size businesses by connecting clients with sorely needed capital resources that simply aren’t available in local banks and credit unions. Offering a literal buffet of financing options tailored to meet the needs of any business regardless of the stage of growth they are in as well as
  • JH Home Loans
  • 556 Rigby Rd, Farmington, UT, 84025
  • As a local mortgage broker I am able to help you find the best rates and fees for your personal situation. Whether I am your first choice, or you just want a second opinion, I can help. It is not uncommon for me to be able to offer a similar rate to my competitors while paying most if not all the closing costs associated with a mortgage.
  • Best Rates On Earth
  • 722 West Shepard Lane, Suite 104, Farmington, UT, 84025
  • At TruePointe Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • EconMortgage
  • 1747 Heritage Lane, Suite B202, Syracuse, UT, 84075
  • Econ Mortgage prides itself on offering low rates, and costs, right out the gate! Compare us with your “guy/gal” and see why even loan officers do their financing through Econ Mortgage! We are a well-established company serving in Salt Lake City. As your premier Utah mortgage broker, we focus on providing you with the lowest rates.
  • Advantage Mortgage Home Loans
  • 2334 S. 600 W, Syracuse, UT, 84075
  • As experienced loan officers we have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is our ultimate goal, and we are committed to providing our customers with mortgage services that exceed their expectations.
  • ReProp Financial
  • 735 4th street, Eureka, CA, 95501
  • ReProp Financial is a small balance commercial lender lending in CA, OR, WA, ID, AZ, and TX. We lend up to $2.5MM and offer both interest only bridge and 15 year fully amortizing loan products. We are a direct lender and service everything in-house. Our average time to close is about 10 days but can close more quickly if needed.