In 2026, the conventional loan limit for a single-family home in Aptos, located in Santa Cruz, CA, is $805,000, while the FHA limit is $805,000.
Utilize the Lendersa® Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. Determine the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to compare Conforming Conventional, USDA, FHA, and VA loans, aiding in deciding the best program for your financial situation in CA.
| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $805,000 | 3% |
| USDA | $626,500 | 0% |
| FHA | $805,000 | 3.5% |
This table is valid for zip codes: 95003
The goal of Lendersa® is to provide the best possible Conventional, USDA, or FHA loan easily and promptly. Choose one of three starting points to find matching lenders and loan programs.
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