In 2026, the Conventional loan limit in Day-Valley, within Santa Cruz county, CA, is set at $970,800. Meanwhile, the FHA limit for a single-family home is $970,800.
Utilize the Lendersa® Conventional loan calculator to compare today’s leading rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you can view Conforming Conventional loans alongside USDA, FHA, and VA options to help decide the best program in CA for your financial circumstances.
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| Loan Type | Loan Limit | Down payment |
| Conventional Conforming | $970,800 | 3% |
| USDA | $657,900 | 0% |
| FHA | $970,800 | 3.5% |
This table applies to the following zip codes: 95076, 95003
The intention of Lendersa® is to connect you with the best available Conventional, USDA, or FHA loan quickly and effortlessly. Select one of three starting options that will match you with lenders and loan programs appropriate to your needs.
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