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
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $776,600 | 0% | |
| FHA | $1,089,300 | 3.5% | |
| Conventional Conforming | $1,089,300 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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