USDA Vs. FHA Pro and Con comparison in Irvine, Orange County, CA
In the year 2026, 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 2026 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.
Castle Commercial Capital facilitates financing for business owners as well as investors and developers of commercial real estate nationwide. We can provide financing from a basic apartment refinance loan to a mixed-use new development and construction loan. We can finance your property with fixed low rate.
18877 West 10 Mile Road, Suite 250, Southfield, MI, 48075
Great Lakes Mortgage Brokers LLC, located in Southfield, MI, and Boca Raton, FL is a leading provider of financial services. We specialize in helping businesses and individuals reach their financial goals by providing a wide range of lending & insurance options.We use our more than 20 years of experience to provide clients with financial services.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
25800 Northwestern Hwy, Suite 110, Southfield, MI, 48075
John Adams Mortgage is a Michigan based, full service mortgage lender. As a lender, we originate, process, underwrite, close and insure our own loans. Our strength and knowledge of the mortgage industry has allowed us to successfully weather the vast changes over the past few years.
first-federal.com is a referral service that connects people with lenders. Therefore, the lenders aprove your requests for a payday loan and transfer funds. Our website is an option to submit yor application online to many lenders at once. They offer small amounts, clear interest rates, and instant processing.
20700 Civic Center Dr, Suite 360, Southfield, MI, 48076
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
20700 Civic Center Drive, Suite 240, Southfield, MI, 48076
Bernard Financial Group, Michigan’s largest commercial mortgage banking firm, specializes in both debt and institutional equity placement for commercial real estate borrowers and developers with commercial lenders and institutional joint venture participants. Since its inception, Bernard Financial Group has financed.
19785 West 12 Mile Road, Suite 462, Southfield, MI, 48076
ADM FINANCIAL GROUP We specialize in commercial mortgages from $250, 000.00 to $25, 000, 000.00 for the acquisition or refinancing of multi-family apartment, mini malls, multi-use buildings, churches, mini-storage, golf courses, car washes, c-stores, offices, industrial, anchored and non-anchored retail, hotels, motels flagged and un-flagged.
26555 Evergreen Road, Suite 900, Southfield, MI, 48076
Mortgage Center has been working with credit union members and mortgage borrowers to help our communities grow. As a member of Mortgage Center, you’re backed by a caring team of professionals experienced in mortgage lending and borrowing. Plus, on most mortgages, you will always make your payments to Mortgage Center for the life of the loan.
Oxford Bank is the oldest commercial bank headquartered in Oxford, Michigan and has operated continuously under local ownership and management since 1884. We manage seven full-service bank branches, and four customer-focused remote offices located throughout Oakland, Genesee, and Lapeer counties.
