In 2026, the USDA loan limit in Buellton, part of Santa Barbara county, CA is $626,500. For a single-family home, the FHA loan limit is $805,000.
Utilize the Lendersa® USDA loan calculator to contrast the best current USA versus FHA rates. Determine the income, credit, reserves, and essential documents needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA side by side, assisting your selection of the suitable program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $626,500 | 0% |
| FHA | $805,000 | 3.5% |
| Conforming | $805,000 | 3% |
At Lendersa®, we strive to quickly connect you to the most suitable USDA or FHA loan, hassle-free. Choose from three options to find compatible lenders and USDA loan programs.
The USDA home loan, supported by the government's Department of Agriculture, is also called a USDA rural development loan or USDA mortgage. It's designated for rural locales. While FHA loans necessitate at least a 3.5% down payment, USDA loans offer zero down payment, increasing accessibility.
Enter your location to find out if it qualifies for USDA rural housing loan?
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