FHA VS Conventional loan programs in 2025 for Felton, Santa Cruz County, California

In 2025, the Conventional loan limit in Felton, within Santa Cruz county, CA, is $805,000. Meanwhile, the FHA limit for a single-family home is $805,000.

Utilize the Lendersa® Conventional loan calculator to compare today's top rates for Conventional, FHA, and USDA loans. Determine the requirements for income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator lets you view Conforming Conventional, USDA, FHA, and VA loans side by side to decide which program in CA best fits your financial situation.

Explore loan offers from 100 lenders

Loan Limits and Downpayment Requirements for 2025 in Felton, Santa Cruz, CA

Loan Type Loan Limit Down payment
Conventional Conforming $805,000 3%
USDA $626,500 0%
FHA $805,000 3.5%

This comparison table applies to zip codes: 95018

Available Conventional and FHA Loan Options in Felton, CA

The mission of Lendersa® is to help you secure the best Conventional, USDA, or FHA loan quickly and without hassle. Select one of three starting strategies to connect with matching lenders and suitable loan programs.

USDA loan request and matching results by Lendersa


  • Temple View Capital
  • 105 S. Los Robles Ave. Suite 665, Pasadena, MD, 91101
  • Temple View Capital is a national private portfolio lender that offers flexible financing for investors in residential real estate. Founded by entrepreneurs with more than 20 years of residential mortgage and real estate investment experience, Temple View has been at the forefront of innovative product development since its inception.
  • Amergroup Mortgage Corp
  • 111 N La Brea Ave, Suite 604, Inglewood, CA, 90301
  • 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.
  • Kbishop Holdings Corporation
  • 401 East Hillcrest Boulevard, Suite J, Inglewood, CA, 90301
  • At KBishop Funding, we are committed to providing our clients with the highest-quality financial services to ensure that they receive the best possible loan for not just the lowest rate and payment, but also the best possible structure for closing costs. Many of our clients opt for a No Broker Fee scenario, only offered on Conventional Loans.
  • Four Seasons Realty & Management Inc.
  • 608 West Manchester Boulevard, Suite 202, Inglewood, CA, 90301
  • Four Seasons Realty & Management Inc.’s focuses on helping people buy sell and get mortgage financing for residential, commercial and investment property. As part of California Association of Realtors and the National Association of Mortgage Brokers our team members are proud to serve the community we live in.
  • RC Brown Homes
  • 401 E Hillcrest Blvd, Inglewood, CA, 90301
  • RC Brown Homes we are experts at what we do. First time buyers, refi, VA. Find YOUR dream with RC Brown Homes. and full-service real estate agency RC Brown Homes has helped buyers and sellers tackle everything from the search, to new construction to securing the financing to get it ALL done.
  • We Loan Money Inc
  • 111 North La Brea, Suite 406B, Inglewood, CA, 90301
  • WLM Financial is a Community First Business, which means we lend assistance to the community in any way possible inside and outside of the office. We work closely with a multitude of lenders and other financial institutions to best find the lowest possible rates for our clints.
  • USC Credit Union
  • 3720 S. Flower Street, Los Angeles, CA, 90051
  • The University of Southern California Credit Union is incredibly proud to serve the entire Trojan Family—USC students (including more than 18, 000 undergraduates and 22, 000 graduate and professional students), alumni, faculty, and staff, as well as those who live and work in Orange County and the City of Los Angeles.
  • Unify Home Loans
  • 621 South Spring Street, Suite PH1010, Los Angeles, CA, 90014
  • At Unify Home Loans, we not only find you the right loan we also get you connected to a real estate professional, in the neighborhood you desire. With an extensive network of agents in the Greater Los Angeles area and Orange County, we can get you connected with one that has extensive knowledge of your desired location.
  • Paradise Private Money
  • 610 S. Main Street #PH212, Los Angeles, CA, 90014
  • Paradise Private Money is a boutique private money mortgage firm specializing in filling the needs of small to medium sized real estate investors on both the buyer and trust deed investor side. This company was formed to simplify and streamline the process of securing funds for investing in real estate.
  • California Bear Credit Union
  • 300 S. Spring Street, Suite 1215, Los Angeles, CA, 90013
  • Our Mission is to Provide the best quality of financial and credit products and services to meet the needs of our members. Provide products and services at fair, competitive prices, and to invest excess funds in such a manner that the return on those investments will contribute to capital growth and financial stability of the credit union.