FHA VS Conventional loan programs in Orcutt, Santa Barbara County, California
In 2025, the cap for a Conventional loan in Orcutt, within the county of Santa Barbara, CA, is set at $805,000. Meanwhile, the FHA limit for a single-family home is $805,000.
Utilize the Lendersa® Conventional loan calculator to compare the top Conventional, FHA, and USDA rates available today. This tool helps assess necessary income, credit standing, reserves, and paperwork for qualification. The advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA options side-by-side to assist in choosing the ideal program for your specific financial needs in CA.
2025 Loan Limits and Down Payment Requirements in Orcutt, Santa Barbara, CA
Loan Type
Limit
Down Payment
Conventional Conforming
$805,000
3%
USDA
$626,500
0%
FHA
$805,000
3.5%
This table applies to the following zip codes: 93455, 93457
Conventional and FHA Loan Options in Orcutt, CA
The aim of Lendersa® is to promptly secure the best possible loan, whether it's Conventional, USDA, or FHA, without hassle. Choose from three pathways that link you with matching lenders and suitable loan programs.
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