USDA VS FHA in Los-Alamitos, Orange County, CA

For 2025, the USDA loan limit for Los-Alamitos in Orange county, CA, is set at $657,900, with the FHA limit for a single-family residence being $822,375.

Leverage the Lendersa® USDA loan calculator to compare current USDA and FHA premium rates, assessing the income, credit, reserves, and documents necessary for eligibility. Featuring our sophisticated mortgage calculator, observe USDA, FHA, Conforming, and VA options side-by-side to decide which program in is optimal for your financial needs.

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2025 Loan Limits & Down Payment Requirements in Los-Alamitos, Orange County, CA

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

Explore USDA and FHA Loan Possibilities in Los-Alamitos, CA

Lendersa® is dedicated to rapidly providing you with the best USDA or FHA loans with convenience. Choose one of three approaches to align with the right lenders and USDA loan offerings.

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Understanding the USDA Loan in CA

A USDA home loan, backed by the Department of Agriculture and known as a USDA rural development loan or mortgage, is available in rural areas exclusively. Unlike FHA loans that need a minimum 3.5% down payment, USDA loans don't require any down payment at all.

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



  • KPL Select Mortgage
  • 2583 N. Palm Canyon Dr, Suite 200, Palm Springs, CA, 92262
  • KPL Select Property Management, Inc., is a full service property management company with over 20 years of experience managing residential, commercial and vacation properties throughout Southern California. We specialize in the rental and management of Single Family Homes and Multi Unit Residential properties in the greater Los Angeles Area
  • Desert Empire Mortgage
  • 1111 East Tahquitz Canyon Way, Suite 121, Palm Springs, CA, 92262
  • Desert Empire Mortgage Clients purchasing and refinancing their real estate and or business, including commercial property and personal residences, second homes, and investment properties. We specialize in SBA, FHA, VA, USDA, Conventional and other types of commercial and residential home loans.
  • American Lenders Annex
  • 500 West Yorba Road, Palm Springs, CA, 92262
  • 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.
  • Kaiser Financial Services
  • 121 South Palm Canyon Drive, Suite 207, Palm Springs, CA, 92262
  • Kaiser Financial Services, Inc in Palm Springs, CA received a Paycheck Protection Loan of $2, 083 through Bank of America, National Association, which was approved in May, 2020. Kaiser Financial Services, Inc is a corporation located at 121 S Palm Canyon Dr Ste 207 in Palm Springs, California.
  • MortgageWorks, Inc.
  • 1111 East Tahquitz Canyon Way, Suite 121, Palm Springs, CA, 92262
  • 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.
  • Contempo Lending, Inc
  • 475 E. Tahquitz Canyon Way, Palm Springs, CA, 92262
  • "Contempo Lending, Inc. We are a locally owned and operated Mortgage Broker located in beautiful Palm Springs, CA. When you choose Contempo Lending as your mortgage broker you are promised outstanding service and you can have the confidence that you are getting the best rate possible."
  • Mortgage Lending Consulting
  • 4542 Ruffner Street, Suite 240, San Diego, CA, 92111
  • Mortgage Lending Consulting Group Corp (MLCG) has experts available to assist with your mortgage needs. You will benefit from our 29 years of experience, specializing in providing Fannie Mae, FHA and VA insured mortgages. We will personally guide you through the entire process of refinancing your current home loan
  • Pacific Southwest Realty Services
  • 7675 Dagget Street, Suite 330, San Diego, CA, 92111
  • Our Mission is to Providing trusted and knowledgeable commercial real estate financial solutions since 1972. As one of the largest privately held commercial real estate finance companies in the western United States, Pacific Southwest Realty Services (PSRS) has anchored its success by delivering financing that matches your needs.
  • Utopia Lending, Inc.
  • 4617 Ruffner Street, Suite 100, San Diego, CA, 92111
  • Utopia Management is a full service California property Management Company. We are the largest California property management company managing individual units throughout California, Washington and Nevada. Utopia Management® is relatively unique in that we can handle our client’s entire rental property management needs.
  • Hampton Mortgage Group
  • 11323 E San Raphael Driveway, San Diego, CA, 92111
  • Hampton Mortgage Group are a buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.