FHA VS Conventional loan programs in 2025 for Seacliff, Santa Cruz County, California

For 2025, in Seacliff, located in the county of Santa Cruz, CA, the limit for a Conventional loan is $805,000, while the FHA limit for a single-family residence is $805,000.

Utilize the Lendersa® Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. This tool aids in determining the required income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, view Conforming Conventional, USDA, FHA, and VA loans side by side, guiding you in selecting the optimal program for your specific financial requirements in CA.

Compare loan proposals from 100 lenders

The 2025 Loan Limits and Down Payment Needs in Seacliff, Santa Cruz County, CA

Type of Loan Maximum Loan Minimum Down Payment
Conventional Conforming $805,000 3%
USDA $626,500 0%
FHA $805,000 3.5%

This comparative table is applicable to zip codes: 95003

Opportunities for Conventional and FHA Loans in Seacliff, CA

The aim of Lendersa® is to facilitate a swift and convenient process to secure the best available Conventional, USDA, or FHA loans. Begin by choosing from three starting options that efficiently connect you with appropriate lenders and loan plans.

Results for Lendersa's USDA loan requests and matches


  • City Bank & Trust Co.
  • 146 Rue St. Denis, Natchitoches, LA, 71457
  • City Bank was established in Natchitoches in 1933 and has been an integral part of this historic community for over 85 years. The City Bank family constantly strives for excellence and we pride ourselves on the personal services we offer to all of our customers. As a City Bank customer, you will benefit from a full range of services.
  • Port Arthur Community Federal Credit Union
  • 3100 Central Mall Drive, Port Arthur, TX, 77642
  • Port Arthur Community FCU has been open since 1950. The credit union has assets totaling $22.66 Million and provides banking services to more than 2, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member and access banking services.
  • Farmers-Merchants Bank of Illinois
  • 101 W Main St, Joy, IL, 61260
  • Farmers-Merchants Bank of Illinois, formerly known as Joy State Bank and Farmers-Merchants National Bank of Paxton, has served Illinois communities for more than 100 years. We strive to maintain the values that have driven the bank’s longevity: friendly customer service and a wide range of valuable products and services.
  • First Trust and Savings Bank
  • 123 Main St, Wheatland, IA, 52777
  • First Trust and Savings Bank, with it's origin dating back to 1886, has been very blessed to be part of a strong agricultural area that now includes facilities in the towns of Wheatland, Dixon, Lost Nation, Calamus, Grand Mound, and Donahue, Iowa.First Trust is a locally owned community bank, with many long term experienced employees to serve you.
  • Peoples Bank & Trust
  • 430 East Wood St., Troy, MO, 63379
  • The Great Depression, expansion and breakthroughs in technology; Peoples Bank & Trust has survived and experienced it all since we opened our doors as Peoples Bank of Hawk Point in 1924. There have been peaks and valleys along the way, but we have never stopped in our commitment to providing the best banking and lending products
  • Bank of Washington
  • PO Box 377, Washington, MO, 63090
  • The Bank of Washington, headquartered in Washington, Missouri, is proud to be the oldest and largest independently owned bank in Franklin County. Since 1877, as a community bank we have focused on hometown friendliness, personal attention and treating every customer like family. The spirit of the Bank of Washington is deeply rooted.
  • Franklin Mortgage Company, L.L.C.
  • 1381 High Street, Suite 107, Washington, MO, 63090
  • Franklin Mortgage Company proudly serves Franklin and St. Charles counties, working to provide home loans with competitive interest rates and low closing costs. Our experienced mortgage professionals are committed to top-notch customer service that is honest and fair. We’re proud to serve repeat customers throughout the years.
  • Unity Bank.
  • 207 W Lincoln Street, Augusta, WI, 54722
  • Unity Bank is a family owned community bank with offices in Minnesota, Montana, and Wisconsin. With 16 locations, $565 million in assets, and 165 employees, Unity Bank continues to be an integral member of the communities we serve and is committed to providing a full range of products to meet our customer’s financial needs.
  • CNext Bank
  • 505 North Vienna Street, Ruston, LA, 71270
  • Century Next Bank, is a federally chartered stock savings Bank headquartered in Ruston, Louisiana, that has proudly served our surrounding communities since 1905. Since our founding, we have expanded our community footprint from Lincoln Parish into Ouachita Parish, Louisiana, and further into Ashley County, Arkansas.
  • Wellspring Credit Union
  • 150 E Roundbunch Road, Bridge City, TX, 77611
  • At Wellspring Credit Union, we strive to create an experience you will remember. Our goal is to provide members with exceptional financial service each and every time they visit. Wellspring Credit Union is a not-for-profit financial cooperative. This means when you become a member of the credit union, you become a shareholder.
  • The First National Bank of Bangor
  • 1798 Commercial Street, Bangor, WI, 54614
  • Established in 1903, First National Bank of Bangor is independently owned and is proud to be your “Community Bank.” We offer a wide range of products and services to satisfy both your business and personal financial needs. We support and partner with our local communities in activities to improve the quality of life for their residents.
  • United Bank of Union
  • 15 E. Main Street, Union, MO, 63084
  • Our mission is to protect customer deposits through safe and sound operations of the bank, to be leaders in supporting our community while providing an above average return on our stockholders'​ investments and providing our employees with an excellent opportunity for growth and advancement.