USDA and FHA Pro and Con in Laguna-Niguel, Orange County, CA
In 2025, the USDA loan cap in Laguna-Niguel, located in Orange County, CA, is set at $657,900, whereas the FHA limit for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to weigh current top rates between USDA and FHA, and to pinpoint the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator offers a side-by-side look at USDA, FHA, Conforming, and VA loans, aiding your decision on which program in suits your financial needs best.
2025 Loan Limits and Downpayment Requirements in Laguna-Niguel, Orange, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Options in Laguna-Niguel, CA
The aim of Lendersa® is to secure you the most favorable USDA or FHA loan quickly, and with minimal hassle. Choose one of the three starting approaches to match with lenders and USDA loan programs.
A USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and is available solely in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment.
Millennium Bank was founded on a personalized, community-oriented approach to banking that we are proud to deliver to residents of Tennessee and Florida. Millennium Bank opened its doors for business on June 21, 1999, in Chattanooga, Tennessee, to serve the financial needs of the growing areas in eastern Hamilton County.
First Federal Bank has been serving customers since 1962 when it opened in Live Oak, Florida as a Savings and Loan Association. Today, First Federal is a community based, mutual Bank that serves over 60, 000 customers from 26 retail branches and several lending centers in Florida, Georgia, and Wisonsin.
Fayette Federal Credit Union is a member owned organization whose mission is to meet the needs of all of our members by providing quality, personalized service while maintaining financial stability. We seek to provide ultimate member satisfaction in an ethical and financially sound manner.
258 Blue Prince Road, Suite 102, Bluefield, WV, 24701
The Mercer County WV Teachers Federal Credit Union (MCWVTFCU) has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, MCWVTFCU will continue a sound yet progressive.
Painesville credit union is a member-owned, not-for-profit financial cooperative, whose goal is to be your trusted financial partner. By providing superior financial services in a friendly, professional manner, we strive to exceed our members' needs.We will continue to honor our Statement of Commitment to members by providing
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Lake County Educational Federal Credit Union full-service financial cooperative, proudly serving the Lake County and North Olmsted education communities and select group partners within the Greater Cleveland region. Since 1955, our specialized structure has been maintained to help our local education community prosper.
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The L.E.O. Credit Union was founded primarily as a savings and lending institutio
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