FHA VS Conventional loan programs in Santa-Ynez, Santa Barbara County, California

During 2025, the Conventional loan limit in Santa-Ynez, within Santa Barbara county of CA, is $783,150. For a single-family home, the FHA limit is $783,150.

Utilize the Lendersa® Conventional loan calculator to explore today's best rates for Conventional, FHA, and USDA loans. Evaluate income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator displays Conforming Conventional loans, USDA, FHA, and VA side-by-side, helping you determine the best program in CA for your financial needs.

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2025 Loan Limits and Down Payment Requirements in Santa-Ynez, Santa Barbara, CA

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

This table applies to these zip codes: 93463, 93460

Choosing Conventional and FHA Loan Options in Santa-Ynez, CA

The Lendersa® aim is to secure for you the most suitable Conventional, USDA, or FHA loan without delay and hassle. Begin with one of three pathways to connect with the right lenders and loan programs.

View results of Lendersa USDA loan request and matching outcomes


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  • Dynamic Mortgage Concepts, Inc is a lender who works for you! Whether you are looking to prequalify to purchase a home, refinance your existing loan, or complete a construction loan, we have products to fit your needs! We offer A-F credit loans, and have access to several national lenders to place your loan with.
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  • 2575 Dodge Street, Omaha, NE, 68131
  • Creighton Federal Credit Union is a federally chartered credit union governed by the National Credit Union Administration (NCUA). It is a non-profit financial institution owned by its members. Creighton Federal has been providing full-service, retail banking to its member-owners since 1952.
  • Midwest Community Credit Union
  • 1909 Old South Palmetto Street, Sioux City, IA, 51106
  • Midwest Community Credit Union is a financial institution that offers mobile banking, loans, gift, debit, and credit card services. Midwest Community Credit Union has been open since 1955. The credit union has assets totaling $42.5 Million and provides banking services to more than 3,000 members.
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  • 1620 Dodge Street, Omaha, NE, 68197
  • For a century and a half, FNBO, a subsidiary of First National of Nebraska, has set the standard for outstanding customer service coupled with some of the most innovative financial products in the industry. When it opened in 1857, FNBO was a local bank that served only Omaha and the surrounding communities.
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  • 1700 Farnam Street, Suite 1000, Omaha, NE, 68102
  • Woodmen Federal Credit Union has been open since 1934. The credit union has assets totaling $10.66 Million and provides banking services to more than 1, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
  • Omaha Public Power District Employees Federal Credit Union
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