USDA VS FHA in Huntington-Beach, Orange County, CA
In the year 2026, the USDA loan limit in the city of Huntington-Beach, within the county of Orange, CA, is $657,900, whereas the FHA loan limit for a single-family property is $822,375.
With Lendersa®'s USDA loan calculator, you can evaluate today's most competitive USDA versus FHA rate options, determining the necessary income, credit, reserves, and required documents for qualification. Our sophisticated mortgage calculator lays out the USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best suits your unique financial requirements.
2026 Loan Limits and Down Payment Requirements in Huntington-Beach, County of Orange, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Examining USDA and FHA Loan Options in Huntington-Beach, CA
The aim of Lendersa® is to quickly secure the best USDA or FHA loans with ease. Initiate with one of three paths to align with matching lenders and comprehensive USDA loan programs.
The USDA home loan is a government-backed mortgage by the Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment.
At Sierra Pacific Real Estate we are committed to helping Buyers and Sellers accomplish their desired goals, with ease. Whether it involves residential or commercial needs, land subdivision, or an assist with the building process, our goal is to help make that process and transaction easier for our clients, by offering individual client care.
To help individuals and companies reach their goals by providing services that meet their needs. This will be done by creating win - win situations that promote integrity. We value character and experience and believe that everyone is capable of contributing to the value proposition.
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Imperial Mortgage & Real Estate Services has been serving clients in the Sierra Foothills for over 30 years. As both a Licensed Mortgage Broker and Realtor, Keith brings a unique set of skills to his clients. Keith has also been certified by the National Association of Realtors as a Seniors Real Estate Specialist.
Affordable Real Estate Loans has over 30 years mortgage loan experience serving all of California. Our team is committed to our clients and our financial partners. We believe that building a solid foundation and relationship with our lenders and bankers throughout California gives us the advantage.
Sierra Foothill Mortgage is a family owned and operated business, proudly serving the foothills for more than 25 years. Linda Andrews, owner-broker, has been in the real estate industry for just under 30 years. Chris Nagle, loan officer, has been in the real estate industry for just under a year. Together they are a team to make your loan
Ray Federal Credit Union has a proud heritage of serving miners and mining contractors of Ray, Arizona in the greater Copper Basin and neighboring communities. The mining towns of Ray, Sonora, and Barcelona have all since been closed and the area mined for copper. In 1965 the credit union built a building in Kearny, AZ.
Great Basin Federal Credit Union has been a member of the community since our charter on January 11, 1951. What began as a 50 member credit union for Reno-Bell Phone Company employees has grown to a community chartered credit union serving over 20, 000 people. Our philosophy of building personable relationships.
Sierra Pacific is a not-for-profit, member-owned financial institution. Combine the technology of a big bank with the trust and service of a local co-op, and you'll have an idea of what to expect from this credit union. They offer sophisticated online and mobile banking with mobile deposit and bill pay options.
Home Wealth Funding is a locally owned and operated mortgage company based in Northern Nevada focused on attention to detail, hard work, leveraging the team, building trust, working smart and learning. In addition we need to have fun, enjoy life, give back and above all, provide customers low interest rates.
