In 2026, for Costa-Mesa in Orange County, CA, the USDA loan limit is $657,900, while for a single-family home, the FHA limit is $822,375.
Use the Lendersa® USDA loan calculator to compare the best rates for USDA vs. FHA loans today. Determine the income, credit, reserves, and documentation required for qualification. Our enhanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you decide which program is best for your specific financial situation in
Review loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
Lendersa® aims to quickly and seamlessly get you the best USDA or FHA loan. Choose one of three starting points to find matching lenders and suitable USDA loan programs.
The USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available in rural areas only. Unlike FHA loans that mandate a minimum 3.5% down payment, no down payment is needed for USDA loans.
Enter your location to find out if it qualifies for USDA rural housing loan?
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