USDA and FHA Pro and Con in Orinda, Contra Costa County, CA

In the year 2025, the USDA loan limit applicable in Orinda within the county of Contra Costa, located in CA is set at $776,600. Meanwhile, the FHA limit for a single-family residence is $1,089,300.

Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA and FHA rates, helping you to determine the income, credit, reserves, and necessary documents required for qualification. This advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA side by side, guiding you in finding the best program in that fits your specific financial needs.

Compare loan offers from 100 lenders to ensure you get the best deal possible.

2025 Loan Limits and Down Payment Requirements in Orinda, County of Contra Costa, CA

Loan Type Loan Limit Down Payment
USDA $776,600 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Options in Orinda, CA

At Lendersa®, our primary goal is to connect you with the most suitable USDA or FHA loan quickly and efficiently, avoiding unnecessary complications. Pick one of the three initial paths that lead you to match with lenders and USDA loan offerings:

Lendersa USDA loan request and matching results

Understanding the USDA Loan in CA

The USDA home loan, secured by the Department of Agriculture, widely recognized as the USDA rural development loan or USDA mortgage, is specifically offered in rural areas. In contrast to FHA loans, which demand a minimum down payment of 3.5%, the USDA mortgage facilitates home buying with no down payment whatsoever.

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



  • The Peoples Bank
  • 100 Spring Avenue, Chestertown, MD, 21620
  • Founded in 1910, The Peoples Bank has served Kent & Queen Anne’s Counties and the Eastern Shore for over 100 years (and Talbot County starting in 2016). The bank has a consistent history of outstanding service in the form of lending programs, customer satisfaction and involvement in its communities.
  • The Queenstown Bank of Maryland
  • 7101 Main Street, Queenstown, MD, 21658
  • Queenstown Bank has been committed to reaching out within our local communities to do all we can to further the area's overall economic development. As a community partner, we make charitable contributions for education, culture and the arts, social service agencies, charitable activities, community and economic development,
  • Azalea Coast Mortgage
  • 7741 Market Street, Suite E, Wilmington, NC, 28411
  • At Azalea Coast Mortgage. Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates and fees available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically
  • Port City Mortgage
  • 8024 Market St, Wilmington, NC, 28411
  • Port City Mortgage (PCM) was founded on the premise that all customers want and deserve an honest, “no pressure” experience when shopping for a mortgage. PCM does just that for our customers. We disclose in writing all fees and costs associated with the interest rate we quote you, and why the rates we offer are lower than our competitors.
  • ABBA First Mortgage
  • 4039 Masonboro Loop Rd, Wilmington, NC, 28409
  • We are dedicated to treating others with excellence, just as we would like to be treated ourselves. This is not just an example of the "Golden Rule", but a Biblical principle we have chosen to practice on a daily basis. ABBA First Mortgage offers the best mortgage rates in North Carolina and Tennessee
  • Presence Bank
  • 185 East Lincoln Highway, Coatesville, PA, 19320
  • Founded in 1919, Presence Bank is a state-chartered FDIC bank that provides the most up-to-date financial products and services accessible online or in person. We offer deposit and loan accounts for every stage of life, so individuals and families can count on building a relationship at a bank they can trust for years to come.
  • Christine D Burnett
  • 1935 Strasburg Road, Coatesville, PA, 19320
  • I’m Christine. I am a Pa. mortgage broker located in beautiful Chester County. With over 30 years of experience in the industry, I offer productive and personalized solutions for your unique mortgage needs. I offer some extremely competitive rates and certain programs that you won’t find at your local bank.
  • Advantage Mortgage Group
  • 140 Cedar Knoll Rd, Coatesville, PA, 19320
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • First Northern Bank & Trust
  • PO Box 217, Palmerton, PA, 18071
  • First Northern Bank & Trust Co, originally founded in 1907 as First National Bank of Palmerton, is the sole-subsidiary of Palm Bancorp, ( a unitary bank holding company). We are now a Fed-Member, State chartered bank with11 branches in four counties across Northeast Pennsylvania, including Monroe, Carbon, Lehigh and Northampton.
  • The Neffs National Bank
  • 5629 PA Route 873, Neffs, PA, 18065
  • The Neffs National Bank is an independent community bank that takes pride in being community-oriented and providing quality customer service From its modest beginning, the growth of the bank has been influenced by the prosperity of the local communities. Individuals and businesses continue to contribute to promoting community-oriented.
  • Enterprise Lending Group Inc
  • 24600 S Tamiami Trail #212, Bonita Springs, FL, 34134
  • "Enterprise Lending Group, Inc.’s sole responsibility is to you, the borrower. We are not affiliated with any one bank. Instead we have the ability to select from a portfolio of lenders. The result is a loan tailored to meet your company’s needs rather than meeting the requirements of a single lender."
  • Coastline Capital Mortgage
  • 530 Causeway Dr, Suite F1, Wrightsville Beach, NC, 28480
  • Coastline Capital Mortgage in the Cape Fear region because we hold this area near and dear to our hearts. The team has been in the area for a number of years and feels closely connected to the values of the surrounding community. Integrating family, business, and growth down here is the pinnacle of achievement