USDA and FHA Pro and Con in Rancho-Santa-Margarita, Orange County, CA

In the year 2025, within Rancho-Santa-Margarita, located in Orange, CA, the USDA loan limit is $657,900. Conversely, the FHA loan limit for a single-family home is $822,375.

Leverage the Lendersa® USDA loan calculator to compare the best current USDA and FHA rates. Determine the required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, assisting in choosing the best plan for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Rancho-Santa-Margarita, Orange, CA

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

USDA and FHA Loan Options in Rancho-Santa-Margarita, CA

The mission of Lendersa® is to swiftly secure the best USDA or FHA loans without hassle. Choose one of the following starting points to find matching lenders and USDA loan programs.

Lendersa USDA loan request and results

What is a USDA Loan in CA?

A USDA home loan, also known as a USDA rural development loan, is backed by the government Department of Agriculture. It is solely available in rural neighborhoods. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment.

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



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