In 2025, the FHA loan limits for Vandenberg-Village county in Santa Barbara, CA stand at: - $660,100 for a single-family home, - $845,050 for 2-unit homes, - $1,021,450 for properties with 3 units, - $1,269,450 for those with 4 units.
Regarding conventional loans, the allowable maximum for a single-family residence is: - $660,100 for one unit, - $845,050 for two units, - $1,021,450 for three units, - $1,269,450 for four units.
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The Lendersa® calculator allows users to evaluate FHA rates and terms against other loan program options. Evaluate and explore choices like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans along with FHA offerings.
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The Loan Limits Comparison Table for 2025 in Vandenberg-Village county of Santa Barbara, CA helps visualize maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money types. For evaluating qualification criteria like income, reserves, and credit requirements, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a detailed analysis.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| USDA | $528,000 | $528,000 | $528,000 | $528,000 |
| VA | $660,100 | $845,050 | $1,021,450 | $1,269,450 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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