USDA Vs. FHA Pro and Con comparison in Los-Alamitos, Orange County, CA

In 2025, USDA loan limit in Los-Alamitos, 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 Los-Alamitos, 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 Los-Alamitos, 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?



  • Plus4 Credit Union
  • 9998 Almeda Genoa Road, Houston, TX, 77075
  • Since 1929, Plus4 Credit Union has proudly served the financial needs of postal workers. But today, our passion for empowering families with affordable financial solutions extends to a wide variety of members. That's why we changed our name to Plus4 Credit Union. Our new name honors our proud postal heritage while laying the foundation
  • Galan Mortgage LLC
  • 8822 Dexter Street, Houston, TX, 77075
  • "We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending"
  • UBank
  • 4822 North Street, Nacogdoches, TX, 75965
  • "Today, we stand as one of the last remaining community banks in East Texas, and our commitment to you has only grown stronger. Every product and service we offer is designed with your best interest in mind. From providing you with the latest financial products and tools to offering you the know-how advice to help you grow, we do it all for you.
  • Ardmore Finance Corp.
  • 1348 NW HWY 7, Blue Springs, MO, 64014
  • We are not a payday loan or title loan company. Our loans are Fully Amortized with Equal Payments of principal and interest. Our loan payments are Affordable and designed to fit within your monthly expenses. When you need a loan to establish credit or pay off a debt, you need to work with a company that is willing to work with you.
  • Custom Funding
  • 3219 Maryfield Lane, Pearland, TX, 77581
  • Custom Funding Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Preferred Funding, LLC
  • 2530 O'Day Rd, Pearland, TX, 77581
  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • Mortgage Options of Texas Limited Company
  • 2404 South Grand Boulevard, Suite 220-A, Pearland, TX, 77581
  • Committed to providing ideal financing options to homebuyers and homeowners. We care what our customers think of us and so should you. We are partners in your business and your success is ours. Independent, locally owned mortgage brokerage offering various loan options. VA, FHA, conventional, reverse & Non QM loans.
  • First National Bank of Lake Jackson
  • 122 W Way St, Lake Jackson, TX, 77566
  • The First National Bank of Lake Jackson received its charter from the Comptroller of the Currency on September 20, 1963 and opened for business on September 26, 1963. The bank opened with two officers, three employees and twelve directors. By 1976, the bank had outgrown its original location at the corner of Parking Way and That Way
  • Dash Home Mortgage Corporation
  • 129 Circle Way, Suite A ½, Lake Jackson, TX, 77566
  • CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S
  • Morris Sheppard Texarkana Federal Credit Union
  • 419 W 4th Street, Texarkana, TX, 75501
  • Morris Sheppard Texarkana FCU will continue to uphold its fundamental responsibility to actively serve people within our field of membership, which consists of the employees of the City of Texarkana TX, City of Texarkana AR, Bowie County and their spouse, children, and grandchildren. We will continue to deliver a range of low cost products.