USDA Vs. FHA your options 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.
The mission of Chessie Federal Credit Union is to provide personal financial services to our membership in an efficient, friendly & convenient manner. The credit union idea was brought to Cumberland, Maryland when nine area men deposited a total of $65.00 to form the Cumberland B&O Employees Federal Credit Union.
Potomac FCU is to help members achieve their financial goals by providing valuable financial products and services, creating a source of credit at fair and competitive rates while maintaining a friendly community focused culture. Potomac Federal Credit Union is committed to providing a website that is accessible to the widest possible audience.
ACT 1st Federal Credit Union was formerly Allegany County Teachers Federal Credit Union. The Credit Union was formed in 1950 by pooling funds from several teachers in the Allegany County School system. Today, the Credit Union serves individuals who live, work, worship, attend school in and businesses and other legal entities.
First Peoples Community Federal Credit Union is a member-owned cooperative committed to meeting the ongoing financial needs of its members in a safe, prudent personal manner, with the best service possible. As a community credit union, we support the development and expansion of the community.
First Mortgage Services understands that the purchase of a home, for many families, is the most important financial transaction that they will experience. We are committed to providing quality, personalized service and will take the time necessary to explain the mortgage loan that best meets the homeowner’s needs.
We're a credit union, a not-for-profit financial institution proudly serving our community and members for over 60 years. Our members aren’t just customers, they’re owners. This means when you join Radiant Credit Union, you get a voice in how we do business. As a not-for-profit cooperative, we return our profits to our member-owners.
"Onomea Federal Credit Union has been open since 1939. The credit union has assets totaling $22.25 Million and provides banking services to more than 2,000 members.
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member"
Since 1953 Glynn County Federal Employees Credit Union has been serving our members as a not-for-profit financial cooperative owned and controlled by our members. Instead of stockholders, a voluntary Board of Directors. Supervisory Committee and Credit Committee oversee the credit union.
At Select Bank, we can help you manage your time and your money. We’ve brought together old-fashioned service and the latest tools and technology in order to provide you with the products and services you need, when you need them – and on your terms. We’re focused on treating every customer like they’re our only customer.
