USDA Vs. FHA Pro and Con comparison in Capitola, Santa Cruz County, CA
In the year 2025, the USDA loan limit in Capitola, county of Santa Cruz, CA is $626,500. For a single-family home, the FHA limit is $805,000.
Utilize Lendersa®'s USDA loan calculator to evaluate today's optimal USDA versus FHA rates and determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, aiding your decision-making for the best program in based on your specific financial situation.
2025 Loan Limits and Downpayment Requirements in Capitola, Santa Cruz, CA
Loan Type
Loan Limit
Down Payment
USDA
$626,500
0%
FHA
$805,000
3.5%
Conventional Conforming
$805,000
3%
Exploring USDA and FHA Loan Options in Capitola, CA
At Lendersa®, our goal is to provide you with the best USDA or FHA loan quickly and hassle-free. Choose from three starting points to find matching lenders and USDA loan programs.
The USDA home loan, also known as the USDA rural development loan or mortgage, is guaranteed by the U.S. Department of Agriculture and is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA mortgages require no down payment at all.
Socalzone was founded in January 2017 as an independent mortgage brokerage to serve the needs of borrowers looking to buy or refinance a home throughout Southern California. echnology is a focal point in the day to day operations of Socalzone Home Loans. We utilize the latest systems and software to ensure a smooth borrower.
377 E. Chapman Ave, Suite 200, Placentia, CA, 92870
Crosswalk Mortgage, Inc., our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide you a safe place to discuss home loans options with our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers.
Access Lending Solutions Inc. is a California based loan provider offering solutions to homeowners looking for an un-invasive and simple approach to mortgage planning. We take a consumer-centric approach to quoting that most loan providers reject. We require very limited, bare-bones criteria to quote.
We are the Home Loans Company of Anaheim California, a family owned and operated mortgage & real estate brokerage with over 18 years of experience in the home mortgage industry. Born in 2020, each day we come to work eager to help our community become home owners, leverage home equity and maximize their real estate investments.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
The Bynum Group, Inc founder of the Hong Holly BynumTeam player with strong communication and inter-personal skills. Skilled at relationship-building and abilities to influence empower and motivate others. I am a results-driven performer with excellent problem solving, customer service.
Knowing your financial options is the best way to leverage your buying power. We offer customized lending options where you decide what to buy when to buy. You have found your perfect home, now you can find your perfect loan to go with it. No matter the type of loan you need, we are with you every step of the way.
Long Beach school district and city college employees. Long Beach School District Employees Federal Credit Union, as LBS Financial was originally called, was operated out of homes and a classroom at Wilson High School. The staff were mostly volunteers who wanted to help the members of their community have affordable, trusted financial options.
California International Bank, A National Banking Association
15606 Brookhurst Street, Suite C-D, Westminster, CA, 92683
Our mission is to facilitate and enhance the economic activity of the communities in which we operate and serve. We accomplish our mission by assisting our customers on which bank products and services fit their financial requirements. Loan decisions are made locally by experienced commercial bankers who have extensive lending experience.
