USDA and FHA Pro and Con in Yorba-Linda, Orange County, CA

In 2025, the limit for a USDA loan in Yorba-Linda, within Orange County, CA, is $657,900, whereas the FHA limit for a single-family home is $822,375.

Leverage the Lendersa® USDA loan calculator to assess today's USDA vs. FHA rates and understand the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loans to help you determine which program in is best suited to your financial needs.

Review loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Yorba-Linda, Orange, CA

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

Explore USDA and FHA Loan Paths in Yorba-Linda, CA

The objective of Lendersa® is to secure you the best available USDA or FHA loan swiftly and with minimal hassle. Choose one of three paths to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request with matching results

Understanding USDA Loans in CA

A USDA home loan is backed by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, and is exclusively offered in rural regions. Unlike FHA loans that require at least a 3.5% down payment, USDA loans have no down payment requirement.

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



  • Wymar Federal Credit Union
  • 37269 Hwy 30, Geismar, LA, 70734
  • Wymar Federal Credit Union is a member-owned financial institution, offering a wide range of financial services to our member-owners at the best possible prices, lowest rates and highest level of service. Our field of membership consists of BASF employees and their immediate families. We look at our members as much more than that, they are family.
  • Crump Mortgage
  • 684 West Brookhaven Circle, Memphis, TN, 38117
  • Our team continues to service the mortgage needs of clients throughout Memphis and the Mid-South and has become the #1 ranked purchase loan lender in Memphis. As one of the few privately held and locally owned mortgage lenders, all decisions and funding are handled in-house enabling us to provide clients with superior service and lower rates.
  • CNB Bank & Trust
  • 450 W. Side Square, Carlinville, IL, 62626
  • Our roots go back to the mid-nineteenth century with the founding of a bank in Carrollton, IL, in 1854. Prior to July of 2011 CNB Bank & Trust, N.A. operated as 4 individual sister banks under the Carlinville National Bank Shares, Inc. Holding Company; Carlinville National Bank, Citizens State Bank, Palmer Bank, and Cornerstone Bank & Trust, N.A.
  • Chester National Bank
  • 1112 State St., Chester, IL, 62233
  • Chester National Bank is located approximately 60 miles south of St. Louis, Missouri on the Mississippi River with its Main Office located in Chester, Illinois, "The Home of Popeye". Originally organized in 1919, Chester National Bank conducts business from the main office in Chester, IL with two full service offices.
  • i-bank Tennessee
  • 5050 Poplar Ave, Memphis, TN, 38157
  • At i-bank. A bank that is independent minded and not afraid to do things a little differently. A bank focused on customer service and the unique needs of each individual who banks with us. A bank that genuinely cares for our customers and strives to help each of them reach their goals and their own financial independence.
  • Royal Credit Union
  • 200 Riverfront Terrace, Eau Claire, WI, 54703
  • Royal Credit Union was made up of just 100 Members when we were organized in April 1964 to serve the employees of Uniroyal and their families. In November of 1972, Royal was granted permission to add other employee groups to its membership and over the next two years we did just that, bringing 27 new groups into the family.
  • Foti Financial Services
  • 422 Lessard St, Donaldsonville, LA, 70346
  • Foti Financial Services was started in 1955 in Donaldsonville, Louisiana, by Dr. Dominc Foti. Dr. Foti wanted to help individuals who could not get financial help at banks and always prided himself on being there for the people in the community. Over 50 years later, Foti Financial Services is still there for the community.
  • 1st Gateway Credit Union
  • 2603 Camanche Industrial Park Rd, Highway 67 N, Camanche, IA, 52730
  • Whether you are working to make your current house your dream or you are hunting for a new home, 1st Gateway Credit Union is in your corner. Once you're a member of the 1st Gateway Credit Union, you also become an owner, with lifetime rights to a wide range of special services and benefits only found at the credit union.