For the current year, 2026, the USDA loan threshold in Seal-Beach, within Orange county, CA, stands at $657,900. Meanwhile, the FHA maximum is $822,375 for a single-family residence.
Harness the power of the Lendersa® USDA loan calculator to evaluate the top USDA versus FHA rates available today. Discover what income, credit score, financial reserves, and documentation are necessary for eligibility. Our comprehensive mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding in choosing the optimal program in Alabama for your unique financial circumstances.
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| Loan Type | Loan Limit | Down payment | |
| USDA | $657,900 | 0% | |
| FHA | $822,375 | 3.5% | |
| Conventional Conforming | $822,375 | 3% |
Lendersa® aims to swiftly secure you the most advantageous USDA or FHA loan without complications. Begin with one of our three pathways that effectively align you with suitable lenders and USDA lending options.
The USDA home loan, secured by the U.S. Department of Agriculture, also dubbed the USDA Rural Development loan or USDA mortgage, is reserved for applicants in rural areas. Unlike FHA loans that mandate at least a 3.5% down payment, the USDA mortgage permits zero down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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