USDA VS FHA in Placentia, Orange County, CA

In the year 2025, the USDA loan limit for a single-family residence in Placentia, located in the county of Orange, CA, is set at $776,600. Meanwhile, the FHA loan threshold stands at $1,089,300.

Employ the Lendersa® USDA loan comparison tool to evaluate today's top USDA versus FHA rates, along with understanding the income, credit, and documentation needed for qualification. Our advanced mortgage solutions calculator allows you to examine USDA, FHA, Conforming, and VA loans side by side, ensuring you choose the program in that best suits your financial requirements.

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Loan Limits and Downpayment Details for 2025 in Placentia, Orange, CA

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

Discover USDA and FHA Loan Opportunities in Placentia, CA

The mission of Lendersa® is to facilitate your access to the most advantageous USDA or FHA loan quickly and with ease. Initiate your journey by choosing one of three pathways, leading to matched lenders and USDA programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, backed by the government through the Department of Agriculture, is specifically offered for rural areas, typically referred to as a USDA rural development loan or mortgage. Unlike FHA loans that demand at least a 3.5% down payment, USDA loans do not require any down payment whatsoever.

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



  • Fifth District Savings Bank
  • 4000 General Degaulle Dr, New Orleans, LA, 70114
  • Our primary mission is to provide a safe, secure place for local depositors to invest their savings and to reinvest their deposits primarily in home mortgage loans which enable our borrowers to buy, build, and repair homes in our local community. Established in 1926, Fifth District is a federal mutual savings association.
  • US Lending Corporation
  • 6720 Frank Lloyd Wright Ave, Suite 104, Middleton, WI, 53562
  • US Lending Corporation works with more than 20 banks to find the right home loans for our clients’ needs. More lending choices mean better-fit loans.Today’s rules and regulations for lending could fill volumes, making it more important than ever that you work with an experienced lender who specializes in home loans.
  • One Community Bank
  • 8215 Greenway Blvd, Madison, WI, 53562
  • One Community Bank, a completely online lending service that makes getting a mortgage or home equity loan easier and faster than ever before. One Community Bank was built exclusively for the internet. It's as easy as 1-2-3 and takes just 15 minutes to apply! We provide you with an instant interest rate quote and review your application.
  • First Business Trust & Investments
  • 401 Charmany Drive, Madison, WI, 53719
  • We’re passionate about helping businesses and people. Since the day our doors opened in 1990, we’ve believed that success relies on putting people first – our clients, our employees, our families, and our communities. The result is extremely engaged employees who feel supported and provide unmatched client satisfaction.
  • Oak Bank
  • 5951 McKee Road, Suite 100, Madison, WI, 53719
  • Oak Bank has become a good friend to Fitchburg and the surrounding communities. The annual Pumpkin Give-Away has already become a Dane County institution, having donated thousands of dollars to local charities. Oak Bank has become immersed in the Fitchburg community by involving itself with numerous events, projects.
  • Easy Mortgage, Inc.
  • 575 D'onofrio Dr, Suite 301, Madison, WI, 53719
  • Easy Mortgage is a locally owned and operated mortgage lending company that has been serving the Madison area since 2005. We are in the business of helping people purchase a home with the best program and rates for their unique situation, whether you are refinancing or buying your first, second, or third home.
  • Nekoosa Credit Union
  • 115 Prospect Avenue, Nekoosa, WI, 54457
  • the Nekoosa Credit Union was chartered, serving the employees of the Nekoosa-Edwards Paper Company and their immediate families. The original office space that housed the operation of the credit union was provided by the Nekoosa-Edwards Paper Company.As the credit union evolved, expansions to the original charter were granted to include persons
  • Bank of Brodhead
  • 806 East Exchange Street, Brodhead, WI, 53520
  • Our Vision is to be a strong, stable, independent community Bank built on the community’s trust since 1896. We will reaffirm that trust daily by delivering financial solutions and striving to remain a dependable partner—consistently delivering exceptional outcomes to everyone, fairly and equitably.