USDA Vs. FHA Pro and Con comparison in La-Habra, Orange County, CA

For 2026, the USDA loan ceiling in La-Habra, Orange county, CA is $657,900, whereas the FHA limit for a single-family home is $822,375.

Check out Lendersa® USDA loan calculator to weigh the current USDA versus FHA top rates. Identify income, credit, reserves, and paperwork needed for qualification. Our sophisticated mortgage calculator lines up USDA, FHA, Conforming, and VA options for easy comparison, helping you find the optimal program in tailored to your financial scenario.

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2026 Loan Limits & Down Payment Needs in La-Habra, Orange County, CA

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

Discover USDA and FHA Loan Alternatives in La-Habra, CA

The goal of Lendersa® is a swift and hassle-free access to the best USDA or FHA loans. Choose a starting point from three options to connect with appropriate lenders and USDA programs.

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Understanding the USDA Loan in CA

The USDA home loan, endorsed by the Department of Agriculture, is also referred to as a USDA rural development loan or mortgage, and is designed for rural areas only. In contrast to FHA loans requiring a minimum 3.5% down payment, USDA mortgages need no down payment.

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



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