Explore the differences! FHA VS Conventional loan programs in Isla-Vista, Santa Barbara County, California

As of 2026, the conventional loan ceiling in Isla-Vista, situated in Santa Barbara County, CA is set at $783,150. In contrast, the FHA cap for a single-family residence stands at $783,150.

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Utilize the Lendersa® Conventional loan calculator to compare today's rates on Conventional, FHA, and USDA loans. Determine applicable income, credit, reserves, along with documents needed for qualification. By using our advanced calculator, you can view Conforming Conventional loans, USDA, FHA, and VA side by side, helping you decide the best program in CA to fit your financial criteria.

Explore loan offers from a variety of 100 lenders

2026 Loan Maximums and Downpayment Criteria in Isla-Vista, Santa Barbara County, CA

Loan Type Loan Limit Down payment
Conventional Conforming $783,150 3%
USDA $528,000 0%
FHA $783,150 3.5%

The table of comparison applies to these zip codes: 93117, 93107

Conventional and FHA Financing Options in Isla-Vista, CA

Lendersa® aims to secure you the most suitable Conventional, USDA, or FHA financing quickly and efficiently. Begin with one of three pathways that lead to matching lenders and loan programs.

  1. Unlock the ultimate request with Conventional/USDA/FHA loan optimization
  2. Identify the best Conventional, USDA, and FHA rates & terms first
  3. Access the largest database of Conventional lenders
Lendersa USDA loan request and matching results



  • Private Money Utah
  • 560 S State Street F-1C, Orem, UT, 84058

  • We are based in Utah but we lend all over the U.S. Private Money Utah assists real estate investors, business owners, and other borrowers to obtain private money and hard money loans.

    We specialize in hard money loans in Utah, Colorado, Hawaii, Arizona, Oregon, Washington, Chicago, Texas, Georgia, New York, New Jersey.

  • The Mortgage Partner, Inc.
  • 1369 West 12600 South, Riverton, UT, 84065

  • The Mortgage Partner has been providing mortgage loans in Utah since 1993. Our Utah based company has over 40 years of combined lending experience. We are a mortgage broker which allows us the opportunity to work with multiple lenders—getting you the best rate possible. As a mortgage broker, we have access to many different lenders that others

  • CloseYour Mortgage Limited Liability Company
  • 1273 West 12600 South, Riverton, UT, 84065

  • CloseYour Mortgage has helped thousands of Utahns save on their upfront mortgage costs and monthly interest payments. Reach out and let our licensed professionals show you the sensible way to finance (or re-finance) your dream home. There are many types of mortgage loans available.

  • Sharp Lending Solutions, LLC
  • 14117 South Light Cahill Cove, Bluffdale, UT, 84065

  • Sharp Lending Solutions was formed out of a need to offer a better solutions for consumers, realtors and builders. William Sharp the owner and founder has spent 12 years as a loan officer, Broker and Principal Lending Manager prior to forming Sharp Lending Solutions. Many companies offer only single solutions, SLS offers a wide variety of lending.

  • Advocate Home Loans Inc.
  • 11774 Whatta View Place, Riverton, UT, 84065

  • Advocate Home Loans, Inc. (NMLS #315362) is committed to giving you the best rate, lowest closing cost, and timely service in the industry today. We want your business today and tomorrow, also from your family, friends, and associates. Our company is based on repeat business and referrals. We do apply the “Golden Rule”.

  • Intermountain Capital LLC
  • 1272 West 12700 South, Suite D, Riverton, UT, 84065

  • Intermountain Capital LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • National 1st Mortgage
  • 1602 West 13595, South Riverton, UT, 84065

  • National 1st Mortgage There are many loan officers and just as many different loan programs. There are only a few loan experts who can shop rates and loan programs to find a tailor made loan just for you and your home. Including VA, first time buyers, conventional, low income or a second place to get away from it all.

  • Community Lending Group
  • 1262 West 12700 South, Suite A, Riverton, UT, 84065

  • Community Lending Group, Inc. was established in October 2004 by Brett Andersen & Brad Taylor. A few months later Jeremy Smith joined the team and the owners set out to create a mortgage company that was built on a foundation of trust, integrity & honesty. We strive to treat our clients & our employees with the utmost respect that they deserve.

  • Vonk Lending LLC
  • 3401 North Thanksgiving Way, Suite 185, Lehi, UT, 84043

  • At Vonk Lending, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.

  • HousingPerks
  • 3155 w Mapleloop Dr, Lehi, UT, 84043

  • HousingPerks goal is to provide useful products and high integrity services to our clients. We pride ourselves in educating our customers on the mortgage process so they can make a truly informed decision. At Johnson Lending, it’s all about good advice for good people We are based out of Riverton, UT, and proudly serve.
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