USDA VS FHA in Lake-Forest, Orange County, CA

In 2025, USDA loan limit in Lake-Forest, county of Orange, CA is $657,900 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Lake-Forest, county of Orange, CA

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

USDA and FHA loan options in Lake-Forest, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Home Savings & Trust Mortgage
  • 3701 Pender Dr , STE 150, Fairfax, VA, 22030
  • We strive to fulfill the dream of home ownership, build lasting client relationships, and create value that stands the test of time. At Home Savings & Trust Mortgage (HSTM), we combine a positive approach with market knowledge and mortgage expertise to ensure homeowners maximize their 'home equity'
  • Executive Lending Services, Inc.
  • 4041 University Drive, SUITE 302, Fairfax, VA, 22030
  • We are a full-service mortgage company based in Fairfax, VA. We specialize in FHA Home Loans, VA Home Loans, FHA Streamline Loans & Conventional FNMA & Freddie Mac. We serve the entire states of Virginia & Maryland. Whether you are buying a home or refinancing we can help you realize your dream of homeownership or save you money.
  • Peace Home Lending
  • 3975 University Dr, Suite 230, Fairfax, VA, 22030
  • PEACE’s mission is to help our clients reach their home financial goals by providing holistic advice, based on each clients particular scenario, founded on the principles of proactiveness, efficiency, availability, creativity, and effectiveness. Focused on getting you the best home loan, and making it a great experience along the way.
  • First Heritage Mortgage, LLC
  • 3201 Jermantown Road, Suite 800, Fairfax, VA, 22030
  • First Heritage Mortgage was designed to be the premier source of mortgage financing in the Washington DC metro area. By working hard to prove ourselves on every loan, we have gained a reputation for our ability to provide innovative mortgage solutions, customized to the unique needs of each borrower.
  • Adler Private Lending
  • 11350 Random Hills Rd, Suite 720, Fairfax, VA, 22030
  • Adler Private Lending, we’re specialists in commercial lending and real estate investments. For more than a quarter of a century, we have been the capital resource of choice for Washington area real estate professionals and investors. Renowned for an entrepreneurial spirit combining unique creativity, flexibility, and the ability to perform
  • Intercoastal Mortgage, LLC
  • 4100 Monument Corner Dr, Suite 220, Fairfax, VA, 22030
  • Our mission is to provide financing for all types of residential mortgage transactions. As a direct lender, we control the process from start to finish; we make the loan decision. All of our loans are processed, underwritten, & closed locally.Our team of loan officers and professionals are equipped with a level of experience that is second to none.
  • Adler Financial Group
  • 11350 Random Hills Road #720, Fairfax, VA, 22030
  • Adler Financial Group is an entrepreneurial family partnership seeking investment opportunities which forward the success of our partners, employees, clients, and vendors. For more than a quarter of a century, we have been the capital resource of choice for Washington area real estate professionals and investors.
  • Shoreline Mortgage Group LLC
  • 5016 East Oak Island Drive, Unit 2, Oak Island, NC, 28465
  • Shoreline Mortgage can shop several different lenders to find you the lowest rate and unlike large lenders we don’t have high profit margins to cover a large staff or overhead. At Shoreline Mortgage Group we will do the shopping for you so you can get the lowest rate and best product to fit your individual mortgage needs.
  • Congressional Federal Credit Union
  • 10461 White Granite Drive, Oakton, VA, 22124
  • Congressional Federal was established in 1953 as Congressional Employees Federal Credit Union. Our first branch looked nothing like the modern facilities our members enjoy today. In fact, we were located in the Folding Room in the basement of the Longworth Building, essentially operating out of a desk drawer.
  • Jefferson Mortgage Group LLC
  • 2536 Leeds Road, Oakton, VA, 22124
  • We offer specialized residential mortgages in Virginia, Maryland, DC and Pennsylvania to help prospective borrowers and existing homeowners with broader financing solutions. Our programs focus in the Alternative A and Non QM loan categories to provide borrowers more financing choices and expanded loan eligibility by credit score.
  • Dream Mortgage World
  • 6642 S US HWY1, Port Saint Lucie, FL, 34952
  • We provide each customer with quality service, and keep them inform of the process from start of application to the end. We get extremely excited when we received information that the customer mortgage loan is: APPROVED. From here, you are on the down slope to closing the loan...
  • Cash Blvd
  • 10200 S US Hwy 1, Port Saint Lucie, FL, 34952
  • We have been helping friends and neighbors of the Treasure Coast since 1999. We are locally owned and operated, and offer fast and friendly service with your privacy in mind. But don't just take our word for it, look below to read comments written directly by our customers. We look forward to seeing you soon!