Explore the differences! FHA VS Conventional loan programs in Santa-Cruz, Santa Cruz County, California

For the year 2026, the Conventional loan limit in Santa-Cruz, located in the county of Santa Cruz, CA, is $970,800. Meanwhile, for a single-family home, the FHA limit is $970,800.

Use the Lendersa® Conventional loan calculator to explore today's best rates for Conventional, FHA, and USDA. Determine the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator provides a side-by-side evaluation of Conforming Conventional, USDA, FHA, and VA loans, helping you select the most suitable program in CA for your financial requirements.

Explore loan offers from a variety of 100 lenders

Loan Limits and Down Payment Requirements for 2026 in Santa-Cruz, Santa Cruz County, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This comparison table is applicable to the following zip codes: 95065

Exploring Conventional and FHA Loan Options in Santa-Cruz, CA

The Lendersa® objective is to swiftly secure the best Conventional, USDA, or FHA loans for you, free from complications. Choose one of three options to connect with matching lenders and loan programs tailored to your needs.

Lendersa provides results for USDA loan requests


Santa-Cruz Lenders

  • The Home Loan Center
  • 740 Paradiso Court, Soquel, CA, 95073
  • Lends in California
  • "I'm here to solve that for you. Go ahead and download my cheat sheet and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy.
    When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation"

  • Monterey Bay Resources, Inc.
  • 4601 West Walnut Street, Soquel, CA, 95073
  • Lends in California
  • Monterey Bay Resources, Inc. is a Santa Cruz based real estate company that provides niche lending solutions for property owners and prospective buyers seeking access to private funds quickly and at competitive rates.We can provide financing for both investment property and owner-occupied properties, upon qualification.

  • Affordable Home Finance
  • 5521 Scotts Valley Drive, Suite 240, Scotts Valley, CA, 95066
  • Lends in California
  • Affordable Home Finance is the California's First Choice for Mortgage Loans - As a Mortgage Broker we shop the Nations Top Lenders For You! We are committed to providing our clients with the best mortgage experience possible. As a cloud-based company, and a low-price market leader, we are uniquely equipped for the new normal we now face.

  • Karma Mortgage Solutions, Inc.
  • 830 Bay Avenue, Suite A, Capitola, CA, 95010
  • Lends in California
  • "At Karma Mortgage Solutions, Inc. Our company provides a wide variety of loans.
    From the most popular ones like FHA, VA, Conventional, USDA, to commercial loans, bridge loans, construction loans, Manufacture homes, and more. FHA, VA, Conventional, USDA, to commerc
    Equal Housing Lender (Brokerage)."

  • Santa Cruz Community Credit Union
  • 324 Front Street, Santa Cruz, CA, 95060
  • Lends in California
  • The Santa Cruz Community Credit Union pursues a vision of vital local communities whose members contribute individually and collectively to a just society. In our vision, all people have full access to economic opportunity, and have the resources to make effective financial decisions for themselves, their families, and their communities.

  • Tedrowe Realty & Investments
  • 125 Jewell Street, Santa Cruz, CA, 95060
  • Lends in California
  • "Lea Tedrowe started working in real estate investments in 1983 before founding Tedrowe Realty & Investments in 1988.
    Lea was born and raised in Santa Cruz and has an extensive knowledge of the real estate market on the Central Coast. Contact us today for more information about private money loans, construction loans, bridge loans."

  • Victoria Capital Mortgage Company
  • 455 Los Gatos Boulevard, Suite 100, Los Gatos, CA, 95032
  • Lends in California
  • "Mark is an Experienced and Top Producing Loan Agent based in Los Gatos but serving homeowners throughout California since 2003.
    Expert Advice. Responsive Service. Fast Turn Times. Expansive Product Selection. Great Rates.
    Home Refinance, Purchase, FHA, VA, Home Equity, Debt Consolidation.

  • The Westside Mortgage Group
  • 569 University Avenue, Los Gatos, CA, 95032
  • Lends in California
  • Westside Mortgage is a boutique mortgage brokerage located in Los Gatos, California. The company was founded by Eric Cutting in 1994, and has originated and closed over 1.5 Billion in mortgage loans. The business relies solely on referrals from prior clients, and specializes in Purchase, Refinance, Equity and Private Lending.

  • Victoria Capital Mortgage
  • 455 Los Gatos Blvd. Suite 100, Los Gatos, CA, 95032
  • Lends in California
  • Mortgage Brokering and Origination. Victoria Capital Mortgage Company works with over 30 lenders and specializes in purchase, re-finance and reverse mortgage loans. Contact us for excellent service to save money on your home loan. Victoria Capital Mortgage Established in 1998 and We have been servicing home owners in the Silicon Valley since 1998.

  • Saratoga Capital Inc
  • 485 Alberto Way, Suite 200, Los Gatos, CA, 95032
  • Lends in California
  • Saratoga Capital, Inc. is a privately-held real estate management company on the West Coast offering apartment home residences, amenities and customer service for renters throughout 35 locations. Since 1971, we have been committed to providing our customers with the best possible service—and exceeding expectations every day.