USDA Vs. FHA Pro and Con comparison in Carpinteria, Santa Barbara County, CA
In the year 2026, the USDA loan limit in Carpinteria of Santa Barbara county, located in CA, stands at $626,500, whereas the FHA limit for a single-family residence is $805,000.
Utilize Lendersa® USDA loan calculator to contrast today's top USDA and FHA rates, assessing the income, credit, reserves, and documentation requirements to qualify. With our innovative mortgage calculator, you can compare USDA, FHA, Conforming, and VA offerings side by side, aiding you in choosing the best program for your financial condition in .
2026 Loan Limits and Down Payment Requirements in Carpinteria, Santa Barbara, 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 Carpinteria, CA
The aim of Lendersa® is to secure the most advantageous USDA or FHA loan for you swiftly and with minimal trouble. Begin by selecting from three options that initiate lender matching processes and identify suitable USDA loan programs.
A USDA home loan, also known as a USDA Rural Development Loan or USDA Mortgage, is backed by the U.S. Department of Agriculture and only available in rural areas. Unlike FHA loans that necessitate at least a 3.5% down payment, USDA mortgages require no down payment at all.
"Selzer Realty was founded in Ukiah, CA on October 1, 1976 by present Owner/Broker Richard Paul Selzer, and joined the Realty World franchise in 1995.
Our agency started small, but with a strong commitment to service and integrity, we have prospered and grown. Today, with more than 40 agents"
Summit Funding Inc. - Chico is located downtown at the corner of 3rd and Salem. We provide residential home mortgage services.
There are literally thousands of variables that can affect the outcome of your mortgage transaction. That’s why you need Summit Funding, Inc. to act as a liaison between the Title and Escrow Company,
Jim Wikey is the owner and Senior Loan Consultant at California First Mortgage Co. He will manage your loan process from start to finish. Company provides the excellent one-to-one service you deserve. Our interest rates and low costs are among the most competitive anywhere. Established in 1997.
IMS Lending have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business
2580 Sierra Sunrise Terrace #200, Chico, CA, 95928
Caliber Home Loans, Inc is a full-service national mortgage lender and agency direct seller/servicer. Caliber originates loans through various channels and transaction types, including a network of retail branches, wholesale lending, and correspondent lending,and a consumer-direct centralized operation specializing in a variety of loan
Info1st Rate Mortgage is a home mortgage and loan origination company We offer seasoned loan officers and staff to provide a high quality mortgage experience for our clients, we are local and loved to engage with local companies. Financing residential and commercial properties. We offer 100% financing options, reverse mortgages.
At Golden Valley Bank we pride ourselves on delivering an experience unlike any other. Take our commitment to customers, staff and community - the foundation of true community banking. It's our passion to help businesses grow, help make dreams a reality and better our local economies.
Providing Low Rate, No Hassle Mortgages throughout Colorado, Texas, and California. Whether you need the mortgage to buy a home, or are looking to refinance for a better rate, or take some cash out of your property, Russell Street can help. We work with you to find the right program and secure low market rates to make sure you are paying.
Home Loans By Shan. Local expertise and broad real estate experience will benefit you whether you are serious about buying or selling a home at this time, or are a returning client checking out the many homeowner resources offered here. Home Loans By Shan's the objective here is to work diligently to assist you in meeting your real estate goals.
Network Mortgage is a residential mortgage broker headquartered in Chico California. Founded in 1994, Network Mortgage serves California with the vision to provide mortgages to our friends, families and clients. We are a trusted mortgage brokerage that creates long term relationships and clients for life..
