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

In 2025, Convetional loan limit in Watsonville, county of Santa Cruz, CA is $805,000 while FHA limit is $805,000 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Watsonville, county of Santa Cruz, CA

Loan Type Loan Limit Down payment
Conventional Conforming $805,000 3%
USDA $626,500 0%
FHA $805,000 3.5%

The comparison table applies to zip codes: 95076, 95019, 95077

Conventional and FHA loan options in Watsonville, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Evergreen State Mortgage
  • 8201 164th Ave NE, Suite 200, Redmond, WA, 98052
  • Evergreen State Mortgage We know that each customer has specific needs and we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you're looking for With a variety of loan programs and an established network of lenders be
  • Westwood Mortgage
  • 9706 4th Ave NE, Suite 205, Seattle, WA, 98115
  • Westwood Mortgage specializes in helping people find the perfect loan for their needs.Our focus is on providing our clients with the best service, competitive interest rate & fees, along with the most accurate information. We offers clients the highest level of customer service combined with the widest variety of competitive mortgage loan programs.
  • Connection Credit Union
  • 10200 Silverdale Way NW, Silverdale, WA, 98383
  • Connection Credit Union (CCU) was founded in 1958 as the City of Bremerton Employees Credit Union. There were 32 original members, who invested $5 each, so the original assets totaled $160. We expanded by adding City of Port Orchard employees, Kitsap County employees and merged Kitcom credit union into our membership base.
  • Northwest Commercial Lending
  • 11411 NE 124th S, Suite 250, Kirkland, WA, 98034
  • Northwest Commercial Lending is a commercial mortgage broker that provides a wide variety of commercial mortgage products and private equity solutions. The Northwest Commercial Lending Team has the experience to find the best rates and terms for your commercial mortgage or business financing needs.
  • Rain City Capital
  • 12131 113th Ave NE Suite 201, Kirkland, OR, 98034
  • Rain City Capital is a hard money lender serving real estate investors and professionals throughout Washington state. As the leading investment property lender in the Seattle area, we have funded over $750 million in loans and processed over 4,500 transactions since 2009.Specializing in bridge, auction, fix and flip, construction, buy and hold.
  • eLink Mortgage LLC
  • 3207 NE 125th St, Seattle, WA, 98125
  • eLink Realty LLC, doing business as eLink Realty is a licensed real estate broker. Our associates may have acted as a real estate broker representing the buyer/seller in the sale of properties.eLink Mortgage would like to provide mortgage brokerage services to you in connection with your loan to purchase properties.
  • FAST TRACK MORTGAGE
  • 10000 Aurora Ave N, Suite 2, Seattle, WA, 98133
  • Fast Track Mortgage we take pride in treating our clients with honesty and integrity. Ask us about getting refinanced in Seattle.Our mortgage bankers know what they’re doing. They use the latest comparative analysis software which allows them to research and compare various loan programs to find the best option to meet your needs.
  • Pacific Coast Financial LLC
  • 2150 North 107th Street, Suite 170, Seattle, WA, 98133
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • Advisory Lending Group
  • 19125 North Creek Parkway, Suite 120, Bothell, WA, 98011
  • Our mortgage advisors strive to earn the trust of our clients and to represent their lending needs by providing financing options tailored to their specific requests. This then allows the client to make a well-informed fiscal decision when financing the purchase (or refinance) of a home.
  • Accelin Loans, LLC
  • 19125 North Creek Parkway, Suite 104, Bothell, WA, 98011
  • Accelin Loans LLC is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the financial tools.
  • New Horizon Capital Funding
  • 17223 94th Place NE, Bothell, WA, 98011
  • New Horizon capital funding works with all businesses to meet their needs and offer a comprehensive portfolio of loans that are designed to help your business grow. We are proud to be nationally recognized as leaders in commercial financing, and have a team of experts dedicated to helping meet your financing needs.
  • Archstone Home Mortgage
  • 18613 103rd Ave NE, Bothell, WA, 98011
  • Fortunately, at Archstone Home Mortgage, LLC, 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. Take advantage of our expertise in the residential lending industry by applying online today.