USDA and FHA Pro and Con in Brea, Orange County, CA
In 2026, the USDA loan limit in Brea, located in the county of Orange, CA, is $776,600. In contrast, the FHA loan limit for a single-family home is $1,089,300.
Make use of the Lendersa® USDA loan calculator to contrast today's ideal USDA versus FHA rates. Determine the required income, credit scores, reserves, and necessary documents for eligibility. Our advanced mortgage calculator juxtaposes USDA, FHA, Conforming, and VA loans, aiding your decision on the best program for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Brea, County of Orange, CA
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Options in Brea, CA
Lendersa® strives to promptly facilitate the most beneficial USDA or FHA loan with minimal hassle. Choose one of three available starting points to connect with matching lenders and explore USDA loan options.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture. This loan is exclusively for rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, a USDA mortgage requires no down payment at all.
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