For 2026 in Fullerton, located in Orange County, CA, the USDA loan limit is set at $776,600, whereas for FHA loans on single-family homes, the limit is $1,089,300.
Leverage the Lendersa® USDA loan calculator to effectively compare the top rates of USDA against FHA today, and evaluate the required income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator allows you to simultaneously view USDA, FHA, Conforming, and VA options, aiding your choice of the most suitable program for your financial situation in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $776,600 | 0% | |
| FHA | $1,089,300 | 3.5% | |
| Conventional Conforming | $1,089,300 | 3% |
The objective of Lendersa® is to facilitate a straightforward and fast acquisition of the best USDA or FHA loan for you. Begin by choosing from three distinct starting points to align with the USDA loan programs and meet your lender matches.
The USDA home loan, backed by the U.S. Department of Agriculture and known as a USDA Rural Development Loan or USDA Mortgage, is exclusively available in rural vicinity locations. Unlike FHA loans requiring at least a 3.5% down payment, a USDA mortgage loan does not necessitate any initial down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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