USDA Vs. FHA your options comparison in San-Juan-Capistrano, Orange County, CA

For the year 2025, the USDA loan limit in San-Juan-Capistrano, Orange county, CA is set at $657,900, whereas the FHA limit for a single-family residence is $822,375.

Explore today's best rates comparing USDA and FHA using the Lendersa® USDA loan calculator. Determine the income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator contrasts USDA, FHA, Conforming, and VA loans side by side, enabling you to choose the most suitable option in for your financial needs.

Review loan offers from 100 lenders

Loan limits and down payment specifics for 2025 in San-Juan-Capistrano, Orange, CA

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

Options for USDA and FHA loans in San-Juan-Capistrano, CA

Lendersa® aims to secure the most beneficial USDA or FHA loan for you swiftly and smoothly. Choose from three initial approaches to find lenders and USDA loan programs that match your criteria.

Lendersa's USDA loan request and matching process results

Understanding USDA Loans in CA

A USDA home loan, also known as a USDA rural development loan or mortgage, is government-backed by the Department of Agriculture and available solely in rural locales. Unlike FHA loans, which demand a minimum 3.5% down payment, USDA loans don't require any down payment.

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



  • Money Mart
  • 98-199 Kamehameha Hwy, Aiea, HI, 96701
  • Money Mart is your convenient, one-stop money services destination for a check cashing, money between paydays or a Western Union® money transfer. Our friendly staff is ready to serve you. Store is located in Pearl Kai Shopping Center along Kamehameha Hwy off of the Pearlridge exit westbound across from the Pearlridge Mall.
  • Pacific Rim Mortgage
  • 98-151 Pali Momi St, Suite C2A, Aiea, HI, 96701
  • Pacific Rim Mortgage LLC has been around since 2005. We specialize in FHA loans, VA loans, USDA loans, pre-approvals, purchases, refinances, debt consolidation, and credit repair. Our team averages over 12 years of mortgage lending experience. We have closed many loans, won many awards, and worked really hard.
  • Big Horizon Mortgage Corporation
  • 37 Western Avenue, Suite 308, Kennebunk, ME, 04043
  • Big Horizon mortgage professionals deliver the market’s best programs and competitive rates from trusted institutions. Customers benefit from a wide variety of offerings. Independent relationships with leading national and local lending institutions allow Big Horizon to tailor solutions to individual needs.
  • Biddeford Savings
  • 65 Portland Rd, Kennebunk, ME, 04043
  • On July 22, 1867, Biddeford Savings received its initial bank charter by an act of the Maine Legislature. From those earliest days we have focused on a few simple ideals — treating our customers like family and developing a deep and meaningful relationship with our local community and neighbors
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  • Derby Street Mortgage Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Infinite Financial LLC
  • 1050 Queen St, Suite 100, Office A2, Honolulu, HI, 96814
  • Duncan Hsia founded Infinite Financial to offer customers the best real estate financing options for their purchases or refinances. Duncan has helped many customers at other mortgage lenders over the years, but was frustrated to be limited to certain products and services. Now, at Infinite Financial, he’ll be able to build a team.
  • CF Home Loans LLC
  • 1050 Queen St, Suite 100, Honolulu, HI, 96814
  • Our executive team consists of industry experts and professionals in the financial and real estate industry. We are well versed when it comes to understanding how a mortgage can affect clients in all areas of their financial life. With a highly dedicated executive team, CF Home Loans is committed to providing an environment to promote teamwork.
  • ProStar Lending LLC
  • 1441 Kapiolani Blvd, Suite 1115, Honolulu, HI, 96814
  • We are a locally owned and operated independent mortgage broker. We assist our clients in selecting the right mortgage plan for their individual financial situation. Our loan process is easy & fast while we focus on each client's financial objectives.broker. We assist our clients in selecting the right mortgage plan for their individual finance.
  • Mortgage Unlimited
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  • mu-hawaii have been first time home buyers and are home owners just like you. We are invested in being a positive role in your refinance or home purchase now and in the future and also In the ever changing technological landscape, we invest in modern and efficient systems to help insure we are able to provide lower rates and faster close times.
  • Hawaii Best Loans
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  • HAWAII BEST LOANS offers residential mortgage loans in Hawaii from top-notch lenders. We follow a simple formula that has made us one of the most trusted residential mortgage companies in Hawaii. We understand that obtaining a home loan is one of the biggest decisions of your life and we are therefore committed to making the process as easy
  • Smart Money Inc.
  • 1600 Kapiolani Blvd, Suite 633, Honolulu, HI, 96814
  • Smart Money is a mortgage broker servicing the State of Hawaii. We specialize in conventional, VA, FHA, USDA, portfolio, and hard money residential home loans. Whether you're a first time home buyer or investor, we can help. We have access to many lenders and guidelines, which in turn give you the best options.
  • Infinite Financial, LLC
  • 1050 Queen St, Suite 100, Office A2, Honolulu, HI, 96814
  • Infinite Financial, LLC, NMLS # 1866302, works with both local and national lenders to provide the best products and services to mortgage customers. From conventional to VA to USDA to FHA to portfolio, non-QM, and hard money options, Infinite Financial has the products to meet your needs