FHA VS Conventional loan in Montecito, Santa Barbara County, California
In 2025, the limit for Conventional loans in Montecito, Santa Barbara county, CA is $805,000, while FHA loans for a single-family home are capped at $805,000.
Lendersa® provides a Conventional loan calculator to compare current rates for Conventional, FHA, and USDA loans, determining the income, credit, reserves, and documentation needed for qualification. This tool allows you to see Conforming Conventional, USDA, FHA, and VA loans side by side, assisting in choosing the right program for your financial situation in CA.
2025 Loan Limits and Down Payment Requirements in Montecito, Santa Barbara, CA
Loan Type
Loan Limit
Down payment
Conventional Conforming
$805,000
3%
USDA
$626,500
0%
FHA
$805,000
3.5%
This table applies to the zip codes: 93108, 93150
Explore Loan Options: Conventional and FHA in Montecito, CA
Lendersa® aims to quickly facilitate the best Conventional, USDA, or FHA loan options for you without hassle. Choose from one of three avenues to connect with suitable lenders and programs.
Mountain Credit Union was granted an amendment to our Community Charter allowing us to serve four additional Western North Carolina counties – Cherokee, Clay, Graham and Madison. Our charter now allows us to serve anyone who lives, works, worships or attends school in Buncombe, Cherokee, Clay, Graham, Haywood, Henderson, etc
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