For 2026, the maximum limit for conventional loans in Watsonville, situated in the county of Santa Cruz, CA, is $805,000. Meanwhile, the FHA cap for single-family homes is $805,000.
Explore the Lendersa® Conventional loan calculator to evaluate today's optimum rates for Conventional, FHA, and USDA loans. This tool helps determine income, credit, reserves, and required documents for qualification. Our sophisticated mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, enabling you to identify which option in CA suits your financial needs best.
Explore loan offers from an array of 100 lenders
| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $805,000 | 3% |
| USDA | $626,500 | 0% |
| FHA | $805,000 | 3.5% |
This table applies to the zip codes: 95076, 95019, 95077
The primary aim of Lendersa® is to deliver the best possible Conventional, USDA, or FHA loan swiftly and effortlessly. Choose one of the three approaches to discover lenders and loan programs that align with your criteria.
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