USDA Vs. FHA your options comparison in Bonny-Doon, Santa Cruz County, CA
In 2026, the USDA loan limit for Bonny-Doon, located within the county of Santa Cruz, CA, is $657,900. Conversely, the FHA limit stands at $822,375 for a single-family home in the same area.
Employ the Lendersa® USDA loan calculator to effectively compare today's superior USDA and FHA rates. You'll gain insights into the income, credit score, reserves, and documents required for qualification. With our comprehensive mortgage tool, you can view USDA, FHA, Conforming, and VA offerings side by side, making it easier to decide which option in fits your financial scenario best.
Loan Limits and Down Payment Standards for 2026 in Bonny-Doon, Santa Cruz, CA
Type of Loan
Maximum Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Options for USDA and FHA Loans in Bonny-Doon, CA
Lendersa® is committed to securing the best possible USDA or FHA loan swiftly, while minimizing any inconvenience for you. Choose one of three initial paths to connect with lenders and USDA loan offerings effectively.
A USDA loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is exclusively accessible in rural areas. Unlike FHA loans that necessitate a minimum down payment of 3.5%, USDA loans require no down payment whatsoever.
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