Explore the differences! FHA VS Conventional loan programs in Santa-Ana, Orange County, California

In 2025, Convetional loan limit in Santa-Ana, county of Orange, CA is $970,800 while FHA limit is $970,800 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Santa-Ana, county of Orange, CA

Loan Type Loan Limit Down payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

The comparison table applies to zip codes: 92703, 92701, 92705, 92704, 92707, 92706, 92702, 92712, 92735, 92799

Conventional and FHA loan options in Santa-Ana, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Click Mortgage, a Division of Golden Bear Capital, Inc
  • 10650 Scripps Ranch Blvd, Suite 230, San Diego, CA, 92131
  • At Click Mortgage, a Division of Golden Bear Capital, Inc, a Division of Golden Bear Capital, Inc, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process.
  • Click Mortgage
  • 10650 Scripps Ranch Blvd #230, San Diego, CA, 92131
  • Click Mortgage work tirelessly to ensure their clients are well informed, on schedule, and satisfied with their mortgage decisions. By building a knowledgeable and driven team, leveraging cutting-edge tech, and creating valuable partnerships. Click Mortgage is designed to be the best choice in mortgage banking
  • JMAC Funding - The Hard Money Pros
  • PO Box 91472, San Diego, CA, 92169
  • Private Hard Money Loans provide fast, equity based hard money funding for loans on residential property as well as commercial loans and land loans, regardless of credit score. For private loans, hard money loans, and bridge loans in California please call us or apply online with our 2 minute quick online application.
  • RC Global Financial Inc
  • 3949 Clairemont Drive, Suite 15, San Diego, CA, 92117
  • We are specialists in all southern California real estate especially south Orange County including the communities of San Clemente, Dana Point, San Juan Capistrano and Mission Viejo. We will always be available for personal service by phone or email, so feel free to contact us with questions any time!
  • Rehaven, Inc.
  • 340 East B Street, Port Hueneme, CA, 93041
  • Rehaven Many customers were only viewed as a credit score, rather than hardworking Americans, trying to achieve their dream of home-ownership. I knew then, why buying a home was intimidating and daunting. I felt for the customers, because I too, was once a first-time homeowner applicant, with a low credit score and a small down payment.
  • KPL Select Mortgage
  • 2583 N. Palm Canyon Dr, Suite 200, Palm Springs, CA, 92262
  • KPL Select Property Management, Inc., is a full service property management company with over 20 years of experience managing residential, commercial and vacation properties throughout Southern California. We specialize in the rental and management of Single Family Homes and Multi Unit Residential properties in the greater Los Angeles Area
  • Desert Empire Mortgage
  • 1111 East Tahquitz Canyon Way, Suite 121, Palm Springs, CA, 92262
  • Desert Empire Mortgage Clients purchasing and refinancing their real estate and or business, including commercial property and personal residences, second homes, and investment properties. We specialize in SBA, FHA, VA, USDA, Conventional and other types of commercial and residential home loans.
  • American Lenders Annex
  • 500 West Yorba Road, Palm Springs, CA, 92262
  • 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.
  • Kaiser Financial Services
  • 121 South Palm Canyon Drive, Suite 207, Palm Springs, CA, 92262
  • Kaiser Financial Services, Inc in Palm Springs, CA received a Paycheck Protection Loan of $2, 083 through Bank of America, National Association, which was approved in May, 2020. Kaiser Financial Services, Inc is a corporation located at 121 S Palm Canyon Dr Ste 207 in Palm Springs, California.
  • MortgageWorks, Inc.
  • 1111 East Tahquitz Canyon Way, Suite 121, Palm Springs, CA, 92262
  • 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.