Explore the differences! FHA VS Conventional loan programs in Watsonville, Santa Cruz County, California

In 2024, 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

2024 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


  • Lone Tree Mortgage Services LLC
  • 9034 East Easter Place, Suite 103, Centennial, CO, 80112
  • We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you.
  • A I Inc
  • 7400 East Arapahoe Road, Suite 109, Englewood, CO, 80112
  • We continually serve our clients to the best of our abilities, giving them the respectc and effort required to earn their business and receive the recommendations by offering them a variety of products, knowledge with transparency in the process and leaving them with the assurance that we are grateful for the opportunity.
  • Real Estate Investment Advisors LLC
  • 9200 E Mineral Ave, Suite 100, Centennial, CO, 80112
  • REIA, we think differently everything we do, we believe in challenging the industry norms. We believe Real Estate is the best way for average Americans to take control of their financial future. Whether you are buying a primary residence, a second home, an investment property, or a commercial building, there are so many ways to build wealth.
  • MortgageMint LLC
  • 8310 S Valley Highway, Suite 300, Englewood, CO, 80112
  • The MortgageMint specializes in Jumbo Loans for clientele seeking non-conforming loan sizes over $625, 000 and up to $3, 000, 000. We offer jumbo loans with as little as 10% down payment. Our Colorado Jumbo Rates consistently beat the national average. and also Our Mortgage Rate Quotes / Estimates will provide you with the best rate.
  • One Source Lending LLC
  • 6860 South Yosemite Court, Suite 2000, Centennial, CO, 80112
  • One Source Lending are a Wholesale Mortgage Broker for the Purchase or Refinance of your Home. We are happy to provide a free comparison on any current quote you have with any other lender. We want you to know if your getting the best rate and lowest costs on typically the biggest transaction anyone makes in LIFE
  • The Horn Funding Corp
  • 9155 East Nichols Avenue, Suite 150, Centennial, CO, 80112
  • The Horn Funding Corp is a local & family owned Colorado based Mortgage Lender. Structured to be agile and qualitative, The Horn Funding Corp is the Non-Big Bank solution for people seeking mortgage financing. The employees of The Horn Funding Corp share the value system and strive to meet the needs and goals of ALL potential clients.
  • Rubino Lending
  • 6922 E Costilla Place, Centennial, CO, 80112
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Houz Mortgage
  • 10700 East Geddes Avenue, Suite 155, Englewood, CO, 80112
  • The Houz Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • The Mortgage Co
  • 7343 S Alton Way, Suite 150, Englewood, CO, 80112
  • The Mortgage Co is licensed mortgage banker locally owned and headquartered in Centennial, Colorado, since 1996. We offer a wide variety of residential loan programs including Conventional, FHA, VA, USDA, CHFA, MMA, and many more. Visit our company website to learn more about all the services we offer at TheMortgageCo.com.
  • US Mortgages
  • 6855 S Havana St, Suite 500, Centennial, CO, 80112
  • US Mortgages has been serving the needs of Colorado homeowners for over 20 years. We offer a wide range of products to help you achieve all of your home buying and mortgage refinance goals. Our licensed Personal Mortgage Advisors will listen to your needs and show you the best options available.
  • Metrolink Mortgage
  • 7853 E. Arapahoe Ct, Suite 2100, Centennial, CO, 80112
  • Metrolink Mortgage is a Colorado based mortgage company. We provide first class service with a customer satisfaction business philosophy. Let us help you with your next refinance or purchase with a hassle free mortgage experience. We offer Conventional, FHA, and VA, USDA, and first time home buyer financing options with the fastest turn.
  • Colorado Lending Inc
  • 6851 South Holly Circle, Suite 280, Centennial, CO, 80112
  • The Colorado Lending Inc team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.