In 2026, the USDA loan cap in Westminster, located in Orange county, CA, is $776,600. In contrast, the FHA limit for a single-family dwelling is $1,089,300.
Leverage the Lendersa® USDA loan calculator to compare today’s leading USDA and FHA rates. Determine the income, credit, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you decide on the best program for your financial needs in
Explore offers from 100 different lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® is committed to finding you the best USDA or FHA loan swiftly and hassle-free. Choose from three starting points that connect you with matching lenders and USDA loan programs.
A USDA home loan is backed by the government Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages demand none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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