USDA Loan Vs. FHA loan for Aptos, CA [ best of 2023]

In 2025, USDA loan limit in Aptos, county of Santa Cruz, CA is $626,500 while FHA limit is $805,000 for a single-family home.

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

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USDA and FHA loan options in Aptos, CA

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

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What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(855) 692-0102 864 miles Lender's profile and map Reviews Mann Mortgage 1230 Whitefish Stage Rd, Kalispell, MT, 59901 Mann Mortgage is a trusted and family-owned home lending company based in Montana & licensed in 30+ states. We offer conventional loans, renovation loans, innovative construction loans, and reverse mortgages. Since our humble beginnings in 1989, Mann Mortgage has held true to our founding values, and has created a reputation of quality support and
(406) 755-4271 864 miles Lender's profile and map Reviews Three Rivers Bank of Montana 233 East Idaho, Kalispell, MT, 59901 Three Rivers Bank of Montana is a place where you can still get to know your banker, get personalized attention and quick answers because we are independently owned and locally operated. We are a vital contributor of time, talent, and resources to the community we serve. We are dedicated to enhancing our shareholders value.
(406) 862-3525 864 miles Lender's profile and map Reviews Whitefish Credit Union - Columbia Falls Branch 1845 Highway 93 South, Columbia Falls, MT, 59901 Whitefish Credit Union does business differently. Since 1934, we’ve been a not-for-profit, community focused credit union, dedicated to bettering our members’ financial health.Credit Union does business differently. Since 1934, we’ve been a not-for-profit, community focused credit union.
(406) 756-4200 864 miles Lender's profile and map Reviews Glacier Bank 202 Main St, Kalispell, MT, 59901 Glacier Bank was founded in 1955 in Kalispell, Montana. We have Banking offices in Flathead County (9), Lake County (2), Lincoln County (2), Butte-Silverbow (2) and Anaconda in Deer Lodge County. We are pleased to offer a full range of financial products and services including Personal and Business Deposit Accounts
(406) 755-6267 864 miles Lender's profile and map Reviews Reliance Lending Northwest 30 5th Street East, Suite 102, Kalispell, MT, 59901 At Reliance Lending Northwest we We understand. Every client has a different level of experience, financial stability, and plan for their future. We extend an unexpected level of personal service to find the right home loan for you, in the Flathead Valley, based on your buying situation.
(406) 261-1719 864 miles Lender's profile and map Reviews Mountain Lake Mortgage 1830 3rd Ave East, Suite 201, Kalispell, MT, 59901 Mountain Lake Mortgage our mission is to use our wealth of experience and resourcefulness to serve our clients, to put their best interest ahead of our own in every situation and to live by the law of abundance. We thrive on building trust based relationships with everyone we serve.
(505) 864-4740 866 miles Lender's profile and map Reviews Railroad Employees Credit Union 300 N 6th Street, Belen, NM, 87002 We are the Credit Union for BNSF Employees and their Families. We understand your life is constantly on the tracks, so we make it easy on you to open an account, apply for a loan, and get access your funds. We have been serving BNSF Employees since 1955. We are a closed member Credit Union, that means not just anyone can join.
(505) 259-4026 867 miles Lender's profile and map Reviews True Lending New Mexico 9400 Holly Ave, Albuquerque, NM, 87122 We are a local, woman owned mortgage broker company dedicated to helping New Mexico families with all your financial needs! True Lending New Mexico helping New Mexico with home purchases, refinancing needs, construction loans and business equipment loans, Offering Conventional, FHA, VA, Jumbo and Non-QM funding.
(575) 546-2691 868 miles Lender's profile and map Reviews First New Mexico Bank 300 S Gold Ave, Deming, NM, 88030 First New Mexico Bank came to life in Deming in 1962, under its charter name, Deming National Bank. The bank was first located on the corner of Silver Avenue and Pine Street in which Marie's Italian Grill now resides. In November of 1973, the bank moved into a new building at our present location on 300 South Gold Avenue.
(505) 243-6751 868 miles Lender's profile and map Reviews Southwest Federal Credit Union 8111 Harper Road NE, Albuquerque, NM, 87111 Southwest Federal Credit Union began as The Albuquerque Gas and Electric Company Employees Federal Credit in December 1935. Ten employees came together in the midst of the Great Depression to form their own financial cooperative. The new Credit Union would meet their financial needs and those of their fellow employees and their families.
(505) 293-0500 868 miles Lender's profile and map Reviews Sandia Laboratory Federal Credit Union 3707 Juan Tabo Blvd NE, Albuquerque, NM, 87111 Sandia Laboratory Federal Credit Union is one of the top-rated credit unions in the country, and was named as the Best-in-State Credit Union for New Mexico by Forbes in 2019 and 2020. We’re member-owned and not-for-profit, working for our members’ best interests. SLFCU is New Mexico’s largest credit union by asset size.