USDA Vs. FHA your options comparison in Capitola, Santa Cruz County, CA

In 2024, USDA loan limit in Capitola, county of Santa Cruz, CA is $626,500 while FHA limit is $805,000 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2024 loan limits and downpayment requirments in Capitola, county of Santa Cruz, CA

Loan Type Loan Limit Down payment
USDA $626,500 0%
FHA $805,000 3.5%
Conventional Conforming $805,000 3%

USDA and FHA loan options in Capitola, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Commerce Bank of Arizona
  • 3805 East Broadway Boulevard, Tucson, AZ, 85716
  • Commerce Bank of Arizona, established in 2002 in Tucson, Arizona, is a full-service community bank that caters to small-to mid-sized businesses and real estate professionals. CBAZ offers commercial clients with a variety of services ranging from U.S. Small Business Administration (SBA) financing solutions, construction loans.
  • Tucson Federal Credit Union
  • 1160 N. Winstel Blvd, Tucson, AZ, 85716
  • In 1937 a group of teachers with a vision came together to form a financial cooperative that could better serve the financial needs of Tucson's school employees and their families. A year later, Tucson Teachers Federal Credit Union (TTFCU) was serving 38 members and had acquired assets of nearly $349.
  • Mt. Rainier Federal Credit Union
  • 303 West Meeker Avenue, Puyallup, WA, 98371
  • The Mt. Rainier Federal Credit Union, chartered in 1967, is a non-profit financial cooperative owned by the members. We offer our members higher rates on savings, and lower rates on loans. One of our strengths has always been our care and concern for members and their families Our whole philosophy of business is based on member service.
  • Wave Lending Group
  • 8602 Canyon Rd East, Puyallup, WA, 98371
  • wave Lending group is a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from a purchase to refinance. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with great rates, terms
  • The Dorman Team
  • 310 29th St NE, Suite 200, Puyallup, WA, 98372
  • After having multiple bad experiences in getting a home loan, Mike Dorman decided there is a better way to help clients obtain financing. Old fashioned customer service, communication and attention to detail have allowed The Dorman Team the honor of helping thousands of clients purchase or refinance their home loan
  • Sampson Capital
  • 10303 20th Street E, Puyallup, WA, 98372
  • We serve commercial loans ranging from fix and flip, bridge loans, mixed-Use, long term hold and multi family. We are expedient and dependable. We look forward to helping you with all your loan needs. We can be reached anytime via email js@sampson.capital or visit us at our website Sampson.Capital
  • Timberland Bank
  • 624 Simpson Avenue, Hoquiam, WA, 98550
  • Timberland Bank first opened its doors more than 100 years ago in downtown Hoquiam, a booming timber town near the Washington coast. The financial institution evolved with the community, branching out, establishing roots and eventually becoming the community bank that you know today.
  • Newrizons Federal Credit Union
  • 120 Firman Street, Hoquiam, WA, 98550
  • In June of 1965, 10 Lambs-Grays Harbor employees started Lambs Grays Harbor Federal Credit Union. The employees wanted a savings club and a way to get weekly draws outside of using the company’s accounting group. The company saw the credit union as an employee benefit for the employees and their immediate families.
  • Longshore Federal Credit Union
  • 3107 John Stevens Way, Hoquiam, WA, 98550
  • Longshore FCU was established in 1960 to provide financial services in a democratic, not-for-profit, cooperative manner. The original name was ILWU Local 24 Federal Credit Union and was chartered by members of the International Longshore and Warehouse Union Local 24. As a member (depositor), you are an owner. There are no outside stockholders.