FHA VS Conventional loan programs in 2026 for Bonny-Doon, Santa Cruz County, California

In 2026, the maximum Conventional loan limit in Bonny-Doon, part of Santa Cruz county, CA, is $970,800. Meanwhile, the FHA limit for a single-family home is $970,800.

Employ the Lendersa® Conventional loan calculator to examine today's best rates for Conventional, FHA, and USDA loans, determining the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator displays Conforming Conventional loans, USDA, FHA, and VA options side by side, assisting you in deciding which program in CA is best for your finances.

Compare loan offers from 100 diverse lenders

Loan Limits and Down Payment Criteria for 2026 in Bonny-Doon, Santa Cruz County, CA

Type of Loan Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This comparison table applies to zip codes: 95060

Explore Conventional and FHA Loan Options in Bonny-Doon, CA

At Lendersa®, our aim is to secure the best Conventional, USDA, or FHA loan for you swiftly and without hassle. Select one of the three approaches to connect with matching lenders and loan programs tailored to your needs.

Results from Lendersa's USDA loan requests and matching


Bonny-Doon Lenders

  • Santa Cruz Community Credit Union
  • 324 Front Street, Santa Cruz, CA, 95060
  • Lends in California
  • The Santa Cruz Community Credit Union pursues a vision of vital local communities whose members contribute individually and collectively to a just society. In our vision, all people have full access to economic opportunity, and have the resources to make effective financial decisions for themselves, their families, and their communities.

  • Tedrowe Realty & Investments
  • 125 Jewell Street, Santa Cruz, CA, 95060
  • Lends in California
  • "Lea Tedrowe started working in real estate investments in 1983 before founding Tedrowe Realty & Investments in 1988.
    Lea was born and raised in Santa Cruz and has an extensive knowledge of the real estate market on the Central Coast. Contact us today for more information about private money loans, construction loans, bridge loans."

  • Affordable Home Finance
  • 5521 Scotts Valley Drive, Suite 240, Scotts Valley, CA, 95066
  • Lends in California
  • Affordable Home Finance is the California's First Choice for Mortgage Loans - As a Mortgage Broker we shop the Nations Top Lenders For You! We are committed to providing our clients with the best mortgage experience possible. As a cloud-based company, and a low-price market leader, we are uniquely equipped for the new normal we now face.

  • The Home Loan Center
  • 740 Paradiso Court, Soquel, CA, 95073
  • Lends in California
  • "I'm here to solve that for you. Go ahead and download my cheat sheet and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy.
    When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation"

  • Monterey Bay Resources, Inc.
  • 4601 West Walnut Street, Soquel, CA, 95073
  • Lends in California
  • Monterey Bay Resources, Inc. is a Santa Cruz based real estate company that provides niche lending solutions for property owners and prospective buyers seeking access to private funds quickly and at competitive rates.We can provide financing for both investment property and owner-occupied properties, upon qualification.

  • Karma Mortgage Solutions, Inc.
  • 830 Bay Avenue, Suite A, Capitola, CA, 95010
  • Lends in California
  • "At Karma Mortgage Solutions, Inc. Our company provides a wide variety of loans.
    From the most popular ones like FHA, VA, Conventional, USDA, to commercial loans, bridge loans, construction loans, Manufacture homes, and more. FHA, VA, Conventional, USDA, to commerc
    Equal Housing Lender (Brokerage)."

  • UVC Financial
  • 12280 Saratoga Sunnyvale Road, Suite 206, Saratoga, CA, 95070
  • Lends in California
  • The UVC Financial Team is committed to providing clients with the highest quality home loans combined with some of the best mortgage programs suitable to your needs. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, doing a Reverse Mortgage, or consolidating debt.

  • Coast Residential Funding, Inc.
  • 14415 Big Basin Way, Suite B, Saratoga, CA, 95070
  • Lends in California
  • John Lofano is committed to providing his clients with the highest quality financial services combined with the lowest rates available in your area. John works with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • Direct Mortgage Funding
  • 236 N. Santa Cruz Ave, Suite 103, Los Gatos, CA, 95030
  • Lends in California
  • Direct Mortgage Funding know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.Today's technology is providing a more productive environment to work in. For example, through our website.

  • Daisy Huang, Loan Officer
  • 19925 Stevens Creek Blvd, Suite 100, Cupertino, CA, 95014
  • Lends in California
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.