USDA Vs. FHA Pro and Con comparison in Costa-Mesa, Orange County, CA

In 2025, USDA loan limit in Costa-Mesa, county of Orange, CA is $657,900 while FHA limit is $822,375 for a single-family home.

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

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2025 loan limits and downpayment requirments in Costa-Mesa, county of Orange, CA

Loan Type Loan Limit Down payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA loan options in Costa-Mesa, CA

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

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Melange Capital Investments LLC
  • 11007 North 56th Street, Suite 207, Tampa, FL, 33617
  • At Melange Capital Investments LLC, 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, so that you can confidently select the best mortgage for you
  • Forest Hills Mortgage
  • 5825 Darlington Rd, Pittsburgh, PA, 15221
  • Founded in 2020, but working and learning the mortgage industry since 2003, the key to success has been a combination of consistently offering the best products, pricing, and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity.
  • Priority Financial Services Inc
  • 2140 Ardmore Boulevard, Pittsburgh, PA, 15221
  • Priority Financial Services was incorporated in 2000 in Pittsburgh. The company is a mortgage brokerage firm involved in the origination of mortgages for residential, commercial and investment properties. The company is licensed by the Pennsylvania Department of Banking. All loan originators have passed the mortgage originator exam.
  • Lend Financial Mortgage LLC
  • 808 Walnut Street, Pittsburgh, PA, 15221
  • We provide customers with the best rates and have the process to purchase or refinance a home effortless. We are a full service mortgage broker. We are currently licensed in Pennsylvania and Georgia. We know one thing which is mortgages. That is what we specialize in and we go above and beyond for you. Call us now for a no obligation quote.
  • Market Capital Mortgage LLC
  • 1925 6th Avenue, Tampa, FL, 33605
  • We understand that a home is one of the most important financial decisions you’ll make. A home can have more value than just an investment though; it’s where you raise your family, become engulfed in a community, and never question the feeling of home. We’re here for you. We’re Always Available.
  • Mon Valley Community Federal Credit Union
  • 1932 Main Street, Allenport, PA, 15412
  • Mon Valley Community Federal Credit Union has been open since 1937. The credit union has assets totaling $177.69 Million and provides banking services to more than 9, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • Benchmark Mortgage
  • 28210 Paseo Dr. Ste. 125, Wesley Chapel, FL, 33543
  • Core Values Based Lending I owe my successes to a service model based on the Benchmark Core Values. We pride ourselves on providing personal service, competitive rates, and efficient loan processing. Benchmark was founded on the principle of customer focus with service that exceeds expectations.
  • Central Bank
  • 20701 Bruce B Downs Boulevard, Tampa, FL, 33647
  • Central Bank officially opened in February 2007 in Tampa, FL and is a full service, independently owned Florida bank that specializes in serving the banking needs of individuals and small businesses. The overall strategy for Central Bank has always been to be an independent community bank providing a higher level of personalized service
  • Naviagtor Lending Solutions
  • 5328 Primrose Lake Circle, Suite A, Tampa, FL, 33647
  • Navigator Lending Solutions was founded by seasoned mortgage professionals who recognized the need for reliable back office support in the mortgage industry and shared a collective vision to become the single source provider for lenders. Navigator Lending Solutions supports Retail, Wholesale and Correspondent lending channels.
  • Marimark Mortgage LLC
  • 5327 Primrose Lake Circle, Tampa, FL, 33647
  • Marimark Mortgage is a licensed Florida mortgage lender/broker offering loans in Florida, Virginia and Pennsylvania. Whether you are buying a new home or refinancing, we have loan options that best fit your needs. We also use all the latest technologies to ensure a safe and easy loan process that delivers results.
  • DeVore Financial Services
  • 19046 Bruce B Downs Blvd, Suite 234, Tampa, FL, 33647
  • DeVore Financial Services is to serve our customers with honesty, integrity & competence. We redefine excellence in Mortgage Brokerage services by stepping away from tradition and exploring new innovative ways to serve our customer’s Mortgage needs.Our goal is to provide home loans to our clients while providing them with the lowest interest rates.
  • Green House Mortgage
  • 20420 Colonial Hill Dr, Tampa, FL, 33647
  • Green House Mortgage is a fully and independent mortgage loan origination entity - Currently ONLY in Florida. We can assist in a wide variety of loan programs including VA, FHA, Conventional and Jumbo and Reverse Mortgages.We help originate in both the refinance and purchase scenarios. More specifically