Explore the differences! FHA VS Conventional loan programs in Vandenberg-AFB, Santa Barbara County, California

For 2025, the conventional loan limit in Vandenberg-AFB, Santa Barbara county, CA is $783,150, while an FHA loan for a single-family home is capped at $783,150.

Use the Lendersa® Conventional loan calculator to compare the best current rates among Conventional, FHA, and USDA loans. Determine what income, credit, reserves, and documents are required to qualify. This advanced mortgage calculator offers a side-by-side view of Conforming Conventional, USDA, FHA, and VA loans, helping you to choose the most suitable program for your financial needs in CA.

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

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

This comparison table applies to zip codes: 93437

Explore Conventional and FHA Loan Opportunities in Vandenberg-AFB, CA

Lendersa® aims to quickly deliver a suitable Conventional, USDA, or FHA loan without any hassle. Choose one of the three paths that lead to lenders and programs matched to your needs.

Results of USDA loan requests matched by Lendersa


  • Garden Plain State Bank
  • 525 North Main Street, Garden Plain, KS, 67050
  • Garden Plain State Bank was granted a charter by the Kansas Banking Commission in December of 1966. The bank opened in Garden Plain Kansas on December 21, 1966. The bank enjoyed a steady growth since its inception and then made a decision to expand into the Wichita Kansas market.
  • McPherson Co-op Credit Union
  • 1999 South Main Street, McPherson, KS, 67460
  • McPherson Co-Op Credit Union has been a member-owned, not-for-profit financial institution. We have come a long way since the card table in the basement! The mission of MCCU is following the credit union philosophy of “People Helping People” by providing quality financial services to our members.
  • The Stock Exchange Bank, Caldwell, Kansas
  • 103 South Main Street, Caldwell, KS, 67022
  • The Stock Exchange Bank of Caldwell, the oldest banking institution in Caldwell and Sumner County, received its state charter on November 12, 1881 and opened on Christmas Eve, December 24, 1881. The stone building erected to house the bank in 1881 at a cost of $5,000, has undergone several remodeling projects
  • Titan Bank, National Association
  • 1701 E. Hubbard Street, Mineral Wells, TX, 76067
  • Titan Bank was founded in 1907. The bank has a long history of focusing on the needs of small businesses in shifting economies. It is a full-service national bank with the capital, knowledge and staff to help entrepreneurs with their financial needs. Titan Bank is based in Texas and lends in all 50 states.
  • WEOKIE Federal Credit Union
  • PO Box 26090, Oklahoma City, OK, 73127
  • WEOKIE Federal Credit Union was first established in 1969 by the employees of the Western Electric Plant in Oklahoma City to provide financial services and security to workers and their families. Now, more than 50 years later, we’ve grown to become one of the largest financial institutions in Oklahoma.
  • Fox Mortgage
  • 4801 Gaillardia Parkway, Suite 200, Oklahoma City, OK, 73142
  • When it comes to mortgages, most people feel lost. At Fox Mortgage, we guide you through the process & get you a great deal. We believe that homeownership builds wealth long term so we created Fox Mortgage to help advise Oklahoman’s on their mortgage needs, whether that is purchasing their next home or refinancing their current one.
  • Dalton Mortgage Group
  • 5120 Gaillardia Corporate Place, Oklahoma City, OK, 73142
  • Dalton Mortgage Group for your mortgage needs! At DMG we use the most up to date technology and security measures to insure that your applications taken through this web site are easy to understand and encrypted at the highest level. We pride ourselves on offering the highest in customer service.
  • Security State Bank & Trust
  • 201 West Main Street, Fredericksburg, TX, 78624
  • Security State Bank & Trust was born in the heart of Fredericksburg, Texas. In 1941, a group of local businessmen saw a need for a new bank to better serve the community’s needs. We officially opened for business in the former Buckhorn Saloon building at 201 West Main Street where we still reside.
  • NexGen Home Loans Inc
  • 6009 N Meridian Pl, Oklahoma City, OK, 73122
  • NexGen Home Loans was created simply to bring something different to the mortgage industry. Mortgage customers for years have had to choose between low rates through an online digital platform with a lack of customer service or a local loan officer that can provide great service but at a higher cost.