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

In 2025, Convetional loan limit in Freedom, county of Santa Cruz, CA is $805,000 while FHA limit is $805,000 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Freedom, county of Santa Cruz, CA

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

The comparison table applies to zip codes: 95076, 95019

Conventional and FHA loan options in Freedom, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Portland Housing Center
  • 3233 NE Sandy Blvd, Portland, OR, 97232
  • Portland Housing Center is your trusted resource no matter where you are at in the homebuying process. When you register we’ll help you determine what services you need to become a successful homebuyer and connect you with one on one counseling, financial management and homebuyer classes, and financial products that can help you become successful.
  • Green Mortgage Northwest
  • 650 Holladay Street, Suite 1600, Portland, OR, 97232
  • Green Mortgage Northwest is rooted in the sustainable ethos that makes Portland an amazing place to live and attracts so many amazing people to our city. We love our inspiring clients and our goal is to deliver brilliant service while sticking to the values that guide us every day. We employ paperless document management, electronic signing.
  • NW Premier Mortgage, Inc
  • 2154 NE Broadway St, Suite 120, Portland, OR, 97232
  • NW Premier Mortgage has worked hard to build a reputation for honest business practices and integrity.Our experienced and friendly team strives to provide a high level of personal service & we never fail to remember that it is our clients that make our business a success.As a result, the majority of our client base comes from referrals and business
  • Capital Assets Utah Valley, Inc.
  • 2696 North University Avenue, Suite 236, Provo, UT, 84604
  • Capital Assets Utah Valley is a mortgage company in Utah that has specialized in conforming, non-conforming, and hard money lending since 1979. Capital Assets Utah Valley was incorporated in 1994 as a mortgage broker in Utah County, and has provided residential mortgages to its clients ever since.
  • Wasatch Capital Mortgage
  • 697 North 240 East, Kaysville, UT, 84037
  • At Wasatch Capital Mortgage we strive to make you a “client for life” and a part of our mortgage family. We want to be your first choice each and every time you need a home loan. We have a reputation of going above and beyond for every single client. Our goal is to earn the level of trust that will make you to feel confident.
  • Ashby Financial Group, LC
  • 326 Apricot Grove, Kaysville, UT, 84037
  • Ashby Financial Group and Lewis Weaver with LW Real Estate have partnered up to provide our clients with an exceptional home buying experience! We provide all types of mortgage financing. We have Conventional, VA, FHA, USDA, Reverse Mortgage, 100% Purchase, non-conventional. We also provide retirement savings plans.
  • Coventry Mortgage
  • 610 N. Kays Drive, Suite 106, Kaysville, UT, 84037
  • Coventry Mortgage is the right choice for Mortgages. We have built our business by satisfying our customers mortgage needs one loan at a time.We rarely advertise, our business is made up of referrals from happy customers and from creating relationships with borrowers that last a life time.
  • Summit Home Loans
  • 375 N Main St, Suite 201, Kaysville, UT, 84037
  • Summit Home Loans is a residential mortgage brokerage that strives to provide the very best home financing experience in the industry. Our two main priorities are service and price, which we believe go hand in hand rather than trading one for the other. By providing a competitive and fun working environment.
  • Portland Loan Team LLC
  • 1825 North East 50th Avenue, Portland, OR, 97213
  • Portland Loan Team is an independent mortgage brokerage in Portland, Oregon. We offer competitive rates with a personal touch, a single point of contact available seven days a week, and 24-hour pre-approval to expedite the offer process. Everyone wins! We are a small Mortgage Broker focused on great service and rates.
  • Trailhead Credit Union
  • 221 NW Second Avenue, Suite 100, Portland, OR, 97209
  • Trailhead Federal Credit Union was founded in 1935 when eleven employees from Portland Gas and Coke decided to pool their money to form a financial cooperative. These founding members encouraged other gas company employees to deposit their money into the Credit Union so that their co-workers who needed to borrow, could do so at a reasonable rate.
  • Plum Tree Mortgage Inc D|B|A Portland Mortgage
  • 1126 Northwest Marshall Street, Portland, OR, 97209
  • Plum Tree Mortgage Inc help customers select mortgage products. We manage the process for individuals, institutions, trusts, partnerships and other clients in the purchase, refinance and equity-access of real estate. Because Plum Tree is involved in the mortgage transaction from the beginning.
  • Hood River Mortgage Group, LLC
  • 11 3rd Street, Suite 101, Hood River, OR, 97031
  • Our mission at Hood River Mortgage Group is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them competitive low interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.