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
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| Type of Loan | Maximum Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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