FHA VS Conventional loan programs in 2025 for Scotts-Valley, Santa Cruz County, California

For the year 2025, the conventional loan boundary within the locality of Scotts-Valley, situated in Santa Cruz county in the state of CA stands at $970,800. Conversely, the FHA loan ceiling for a single-family home is marked at $970,800.

Utilize the Lendersa® Conventional loan calculator to assess today's premier rates for Conventional, FHA, and USDA loans alongside necessary information on income, credit standing, reserves, and required documents for qualification. This advanced mortgage calculator showcases Conforming Conventional loans, USDA, FHA, and VA options in CA, allowing you to determine the most suitable program for your financial context.

Begin your loan comparison by reviewing offers from over 100 lenders here.

2025 Loan Limits and Down Payment Requirements in Scotts-Valley, County of Santa Cruz, CA

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

This table is applicable for the zip codes: 95066

Conventional and FHA Loan Choices in Scotts-Valley, CA

The mission of Lendersa® is to efficiently and seamlessly find you the optimal Conventional, USDA, or FHA loan. You can start by choosing one of three pathways that connect you with appropriate lenders and loan choices.

USDA loan request and Lendersa's matching results


  • Best Rate Mortgage LLC
  • 28 Broadway Street, Westford, MA, 01886
  • Best Rate Mortgage MA was started in 2011 in Charlestown MA and now serves the entire Commonwealth with below market rates and personalized customer service. With loan officers located across the state and equipped with state of the art technology, the mortgage process is easily tailored to those who demand either in-person.
  • Ocean State Credit Union
  • 1584 Nooseneck Hill Rd, Coventry, RI, 02816
  • Ocean State Credit Union have aimed to provide our members with sound, simple financial solutions. In that time we have evolved, and our offerings have been designed to meet the ever-changing needs of our members. From those humble beginnings, Ocean State Credit Union has grown to become a statewide credit union offering.
  • The Mortgage Pros
  • 2 Vernon St., Framingham, MA, 01701
  • our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • OnTo Mortgage
  • 405 Cochituate Road, Suite 204, Framingham, MA, 01701
  • OnTo Mortgage is headquartered in Massachusetts and was started by by two top loan originators with over 30 years of experience. Every lender touts great rates, product and service and while we have all of that, we also have a deep care for our clients. We understand that without clients, we have nothing.
  • Metrowest Community Federal Credit Union
  • 200 Concord Street, Framingham, MA, 01702
  • MetroWest Community FCU is fully committed to helping individuals in our communities manage and achieve their financial goals by offering a wide range of affordable savings and loan products To helping individuals in our communities manage their financial needs by offering a wide range of affordable savings and loan products and To providing produc
  • MortgageWorkshop Inc
  • 24 Union Avenue, Suite 30, Framingham, MA, 01702
  • At MortgageWorkshop, we feel that our job is to do more than just help you find a loan. By forming strong relationships with many different lenders, we are able to research, compare, and shop your specific application to find you the mortgage product that best fits and alos we are dedicated to providing borrowers and the realtors.
  • Navigant Credit Union
  • 1005 Douglas Pike, Smithfield, RI, 02917
  • From the very beginning, our mission has been to improve the financial lives of our members throughout Rhode Island. We are committed to the financial well being of the families, businesses and communities we have proudly been serving. Now at more than $3 billion in assets, Navigant Credit Union is among the largest credit unions in Rhode Island.
  • Value Mortgage Corporation
  • 11 Eldorado Road, Chelmsford, MA, 01824
  • As a mortgage broker with more than 20 years of experience, Value Mortgage has the dedication and know how to get almost any transaction done. Whether you’re refinancing your house or purchasing your very first home Value Mortgage Corporation can help you with all your home financing needs.
  • Traditional Mortgage Inc
  • 63 Simpson Rd, Pelham, NH, 03076
  • Traditional Mortgage, Inc. was founded in 2004 and is a full service mortgage company located in Pelham, New Hampshire. We offer a wide range of products including, purchases, refinancing options and debt consolidation products. We are licensed in New Hampshire, Maine and Massachusetts.
  • Pride Rock Mortgage LLC
  • 31 Lowell Rd, Windham, NH, 03087
  • Pride Rock Mortgage, LLC. offers a wide variety of mortgage products to meet the needs of every income level, credit situation and home type in both Massachusetts and New Hampshire. Unlike many brokers, Pride Rock Mortgage, LLC. takes the time to work with you personally to assist you in choosing the mortgage program that best fits
  • Lowell Firefighters Credit Union
  • 642 Chelmsford Street, Lowell, MA, 01851
  • The Lowell Firefighters Credit Union is a member owned and operated financial institution. Our mission is to educate our members and provide a reliable, secure, friendly financial environment, which features benefits and advantages from our financial services, in order to help members gain some measure of personal financial success
  • A M Mortgage Brokers
  • 132 S. Main Ave, Taylor, PA, 01851
  • AM Mortgage Brokers Inc, is a family run business, with strong ties to the local community. Our low overhead allows us to out price our competition. We guarantee to offer you better service and more affordable loan programs than the larger mortgage brokerages or banks. Our competitors’ high operating costs.