For 2026, the USDA loan ceiling in Orange, within Orange County, CA stands at $776,600, whereas a single-family home's FHA limit is set at $1,089,300.
Utilize the Lendersa® USDA mortgage calculator to evaluate both today's USDA and FHA top rates, enabling you to assess the income, credit, reserves, and documentation necessary to qualify. Our sophisticated mortgage tool allows you to contrast USDA, FHA, Conforming, and VA options in parallel, guiding you toward the program in best suited to your unique financial needs.
2026 Loan Limits and Down Payment Requirements in Orange, Orange County, CA
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Options for USDA and FHA Loans in Orange, CA
The aim of Lendersa® is to secure for you the most advantageous USDA or FHA loan efficiently and without hassle. Choose one of the three entry points to find matching lenders and programs tailored to your USDA loan requirements.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans that necessitate a minimum down payment of 3.5%, the USDA loan requires no down payment at all.
Union Yes Federal Credit Union was formed in 1981 to serve only union workers and their families. With the guidance of an industry-experienced board of directors, dedicated management team, and hard-working staff, union members throughout southern California benefit from the services provided by their local credit union.
At California’s Mortgage Bank (CMB), Speed, Reliability, and Experience are the foundations of our Company! We provide you with loan choices to make your life easier. We offer the most competitive rates and aggressive loan products. We are a US Mortgage Bank that exclusively offers loans to California residents
Rey Reyes is the No. 1 Loan Officer in Orange, CA, according to Scotsman Guide, the leading benchmark for ranking in the mortgage industry. As an accomplished mortgage loan originator, Rey has over 18 years of experience and a proven track-record with helping clients get pre-approved for a new mortgage loan or refinance.
STG Mortgage is a full-service mortgage lender with a highly experienced leadership team, ready to make your home purchase or refinance simple. We make sure you have the details you need to get the right solution based on your needs. Our rapidly expanding team is thoroughly trained and fully equipped to answer questions.
2200 Orangewood Avenue, Suite 150, Orange, CA, 92868
Lends in California
We offer personalized solutions! At California Equity & Loan we know that finding the best loan program can reduce your principal or maximize cash flow. Whatever your financial goals, we can help you select the best loan program for you. Our Home Loan Professionals know that finding the best loan program is key to home ownership.
We are a full-service direct mortgage lender with an experienced staff offering expertise in every area of mortgage lending, from purchasing to refinancing. We have access to a full range of mortgage programs and all of our lending specialists are dedicated to finding you the right loan – with the best rates, terms.
333 City Boulevard West, Suite 1700, Orange, CA, 92868
Lends in California
LENDPRISE is an independent mortgage company partnered with wholesale lenders offering speed & competitive pricing to our clients.We have set a very high standard in the mortgage & real estate industry.We are committed to quality customer service.. Our team will work continuously on your behalf to help you achieve your financial goals.
333 City Boulevard West, 17th Floor, Orange, CA, 92868
Lends in California
Taurus Mortgage Corporation is partnered with all the major banks and lending institutions in the nation. This allows us to offer our clients the smartest approach to home ownership. With just one call to us, our clients have access to every loan program currently available and at the lowest rates.
1100 Town & Country Road, Suite 1250, Orange, CA, 92868
Lends in California
At Direct Bank Rate. We are a full service mortgage company based in Orange, California. We specialize in FHA, VA, First Time Home Buyer, in Orange. We also serve the surrounding cities in Orange County, LA County, San Diego, . Whether you are buying a home or refinancing in any of these zip codes: 92868, 92870, 92886, 92683, 92870, 92703,
Home Loans On Demand we leave no stone unturned to provide our clients with the highest standard in customer service through the collective efforts of our entire team. Each team member plays a specific role in the overall success of each home transaction and provides you with the full support and strength.
