FHA VS Conventional loan programs in 2026 for Santa-Maria, Santa Barbara County, California

In 2026, the loan limit for Conventional loans in Santa-Maria, in the county of Santa Barbara, CA, is $783,150. The FHA loan cap is $783,150 for a single-family dwelling.

Utilize the Lendersa® Conventional loan calculator to weigh the best current rates among Conventional, FHA, and USDA. Determine necessary income, credit, reserves, and documentation needed to qualify. With our advanced mortgage calculator, review side-by-side analyses of Conforming Conventional, USDA, FHA, and VA loans to decide which program in CA suits your financial needs best.

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2026 loan limits and down payment requirements for Santa-Maria, in the county of Santa Barbara, CA

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

This comparison table applies to these zip codes: 93454

Conventional and FHA loan options in Santa-Maria, CA

The aim of Lendersa® is to swiftly connect you with an optimal Conventional, USDA, or FHA loan without hassle. Select one of three starting points that lead to matching lenders and loan solutions.

Observe Lendersa USDA loan request and outcomes


  • Bridgeview Mortgage
  • 1200 Hempstead Turnpike, Franklin Square, NY, 11010
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  • Alpha Funding Solutions
  • 329 Hempstead Turnpike, West Hempstead, NJ, 11552
  • Alpha is a Direct Private Asset-Based Lender in the Northeast (NJ, NY, PA, CT). We have been meeting the needs of real estate investors, developers, and builders since 2007 funding projects that are not fundable through traditional sources. Alpha focuses on residential & commercial properties.

  • First Central Savings Bank
  • 70 Glen Street, Glen Cove, NY, 11542
  • First Central Savings Bank has grown from a simple concept to what we are today: a vibrant, thriving, all-inclusive community bank that hasn’t wavered from its original aim of friendly, personalized service. We are committed to enriching our communities, driving local economic growth, and cultivating lasting relationships.

  • Hanover Bank
  • 80 East Jericho Tpke, Mineola, NY, 11501
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  • Patriot One Mortgage Bankers LLC
  • 142 Willis Avenue, Mineola, NY, 11501
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  • Speritas Capital Partners
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  • Members Credit Union
  • 126 East Putnam Ave, Cos Cob, CT, 06807
  • Members Credit Union was started in 1935 by nine Greenwich, CT school teachers who were not able to get small loans at the local banks. They came together to form a cooperative, pooled their money and lent it to each other. They were proud to help each other meet their needs. Through the years we expanded our services to include other school staff.

  • Rock East Funding
  • 670 Long Beach Blvd, Long Beach, NY, 11558
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  • Garden City Mortgage
  • 170 Tullamore Road, Garden City, NY, 11530
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  • Contour Mortgage Corporation
  • 990 Stewart Avenue, Suite 660, Garden City, NY, 11530
  • Contour Mortgage Corp. has built a solid reputation for unparalleled customer service to exceed the expectations of home owners and buyers. With a multi-state licensed footprint, we are able to serve and reach more customers and offer an expansive product suite and hands-on service that our customers deserve.