USDA Vs. FHA your options comparison in Irvine, Orange County, CA
In the year 2025, the USDA loan limit in Irvine, located in the county of Orange, in the state of CA, is set at $776,600. Comparatively, the limit for an FHA loan for a single-family residence in this area is $1,089,300.
To effectively compare today's best rates for USDA versus FHA loans, make use of the Lendersa® USDA loan calculator. This tool assists in accurately determining the income, credit, reserves, and documents needed to qualify. By utilizing our advanced mortgage calculator, you can examine USDA, FHA, Conforming, and VA loans side by side. This comprehensive view aids you in deciding which financial program in serves your personal financial scenario optimally.
Understanding Loan Limits and Downpayment Requirements for 2025 in Irvine, 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%
Exploration of USDA and FHA Loan Options in Irvine, CA
At Lendersa®, our mission is to promptly secure for you the most advantageous USDA or FHA loan with minimal hassle. You are presented with three initial pathways, each designed to connect you with matching lenders and appropriate USDA loan programs that cater to your needs.
A USDA home loan is a mortgage guaranteed by the government's Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. These loans are accessible exclusively in rural neighborhoods. Unlike FHA loans demanding a minimum 3.5% down payment, USDA loans offer the advantage of requiring no down payment, presenting an appealing option for eligible borrowers in applicable rural areas looking for a manageable financial path to homeownership.
Coastline Mortgage is an agent focused company Delivering the Dream of home ownership. We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.
At Lebanon Federal Credit Union, we consider ourselves more than just a credit union. We’re a lifetime financial partner committed to serving you and your family members with unmatched dedication, integrity and care. We take pride in the fact that our small size allows us to build genuine relationships with each of our valued members.
7939 Honeygo Boulevard, Suite 203, Baltimore, MD, 21236
Open House Lending Corporation is a full-service mortgage company that goes the extra mile and produce's results. Our team has helped hundreds buy and refinance their homes decade after decade. Families have trusted our experienced team to handle not only their mortgage's but their family and friends too.
66 West Flagler Street – Suite 900, Miami, FL, 33130
QUICK APPROVALS. AGGRESSIVE RATES. FAST CLOSINGS.
Lambda Funding was founded by investors, for investors. We are experts at recognizing your needs and helping you scale your business through both private and hard money options. Our programs offer our investors the flexibility to support and grow any investment strategy.
Apollo Bank is a locally owned and operated community bank based in Miami/South Florida specializing in delivering customer-focused banking services. The Bank is committed to providing comprehensive banking solutions in conjunction with the best banking technology to local businesses, professionals
Miami Federal Credit Union has been serving Federal, State, Municipal, Dade County, City of Miami government employees and their family members in Miami -Dade, Broward, Monroe, and Palm Beach Counties since 1954. With a high rating from the NCUA, the credit unions’ regulatory agency.
LendComet is a mortgage broker based out of Miami, FL. We assist home buyers in getting some of the best rates for mortgage loans and also ReFinancing opportunities. Our priority is making the loan application process simple and easy. We are here for you every step of the way. We've been helping customers afford the home
Brickell Capital Finance has been offering financial solutions to various businesses nationwide for over 15 years and with thousands of clients. We are committed to serving the needs of each and every one of our clients including those with little or troubled credit history by providing the best financial solutions available.
Onyx Funding LLC is a leading, national provider of financing services to the commercial real estate industry. Our diverse and innovative structuring expertise, vast lender knowledge and relationships, and everyday market experience enable us to customize unparalleled financing solutions for any type of investment property.
home.loans, we’re committed to helping educate consumers about the FHA 203b lending process. So, whether you’re a first-time homebuyer, or you’re looking to refinance your second or third home, we want to provide you the easiest-to-understand, most thorough guide on the internet about the 203b loan program.
