USDA Vs. FHA your options comparison in Ben-Lomond, Santa Cruz County, CA
For the year 2025, the USDA loan limit in Ben-Lomond, within Santa Cruz, CA, is $657,900. In comparison, the FHA limit for a single-family home is set at $822,375.
To compare today's best USDA versus FHA rates, use the Lendersa® USDA loan calculator. It helps determine income, credit, reserves, and documents needed for eligibility. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA offers side by side, assisting you in choosing the most suitable program for your financial scenario, such as those available in Alabama.
2025 Loan Limits and Down Payment Requirements in Ben-Lomond, Santa Cruz, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Options in Ben-Lomond, CA
Lendersa® aims to help you secure the best USDA or FHA loan quickly and easily. Choose one of three starting points to connect with matching lenders and USDA loan offerings.
The USDA home loan, guaranteed by the U.S. Department of Agriculture—also known as a USDA rural development loan or mortgage—is exclusively for rural neighborhoods. Unlike FHA loans, which need a minimum 3.5% down payment, USDA loans have no down payment requirement at all.
As the world gets smaller and faster, consumers demand results that are immediate, uncomplicated and accurate. That's why at Activus, we are committed to delivering those results to every customer - every time. Whether our clients are buying their first home, trading-up to a larger home, refinancing or just consolidating their debt.
"We are an FHA Approved Mortgage Bank and Direct Lender providing FHA, VA, USDA, 203K, Conventional, Jumbo, Streamline Refi, and Reverse Loans.
Founded by Don Currie and Erika Macias, our winning strategy consists of a carefully crafted blend of excellent price, niche product offerings and exceptional customer service."
Loan Leaders of America, Inc. is a Nationwide Wholesale Lender offering conventional and government loans on both residential and commercial properties. Established in 1999 Loan Leaders of America, Inc., has maintained to be one of the nation's most competitive wholesale lenders and diversified brokers in the industry, year after year.
Direct Finance is a full-service financing brokerage that offers a wide range of products to include residential and commercial financing, mixed use, multi-family, non-traditional financing, equity lines, and bank statement financing.Our team of mortgage experts and consultants are some of the most seasoned in the industry.
E Mortgage Capital has been a respected mortgage company with what we believe to be the most competitive interest rates in the market, boasting a level of customer service most often associated with small local lenders. Our mission is to serve our customers with honesty, integrity and competence.
Specializing in both residential and commercial loans for borrowers and brokers, as well as trust deed purchases to the investor community. Our tremendous access to lenders allows us to make certain our borrowers get the best loans possible many repeat customers attest to this unique benefit, and to our integrity and dedication.
As part of the Finance of America family of companies, Finance of America Commercial provides individual and business exposure limits with individual FIX & FLIP rehab property loans, along with BRIDGE loans, and SINGLE & PORTFOLIO RENTAL term loans to residential real estate investors across the country, helping our clients overcome traditional fin
CoreVest (previously Colony American Finance) was founded in 2014 to meet the demand for affordable debt capital by a broad range of residential real estate investors. Our experience and scale enabled us to provide attractively priced loans and bring investment financing from “Wall Street” to “Main Street”.
