In the year 2026, within Day-Valley in Santa Cruz, CA, the USDA loan limit is set at $657,900, while the FHA limit stands at $822,375 for a single-family home.
Leverage the Lendersa® USDA loan calculator to compare the top current USDA versus FHA rates, investigating the necessary income, credit standing, reserves, and documentation needed for eligibility. Our sophisticated mortgage calculator allows you to review USDA, FHA, Conforming, and VA options side by side, aiding your decision on which program in best suits your financial needs.
Loan Limits and Down Payment Requirements for 2026 in Day-Valley, Santa Cruz, CA
Loan Type
Loan Limit
Minimum Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Options in Day-Valley, CA
Lendersa® aims to secure the most favorable USDA or FHA loan for you swiftly and without complication. Choose from one of three starting pathways that lead to compatible lenders and USDA program options.
A USDA home loan, guaranteed by the U.S. Department of Agriculture, known as a USDA rural development loan or USDA mortgage, is accessible only in rural settings. Unlike FHA loans which call for a 3.5% down payment, USDA loans eliminate the need for any down payment.
455 Los Gatos Blvd. Suite 100, Los Gatos, CA, 95032
Mortgage Brokering and Origination. Victoria Capital Mortgage Company works with over 30 lenders and specializes in purchase, re-finance and reverse mortgage loans. Contact us for excellent service to save money on your home loan. Victoria Capital Mortgage Established in 1998 and We have been servicing home owners in the Silicon Valley since 1998.
Saratoga Capital, Inc. is a privately-held real estate management company on the West Coast offering apartment home residences, amenities and customer service for renters throughout 35 locations. Since 1971, we have been committed to providing our customers with the best possible service—and exceeding expectations every day.
Since 2000 we have specialized in construction loans, lot loans, and vacant land loans in the Western United States. We do single close construction loans for ground-up construction starting with a vacant lot or a tear down, as well as single close construction loans for rehab,remodel and additions.
Nadim Aziz is committed to helping you find the right mortgage product for your needs. I understand that every borrower is different, and I offer a variety of products to meet your individual requirements. I make the process of securing a mortgage simple and straightforward by offering you.
"We transform the way people apply for home loans. We give truly financial mortgage freedom to borrowers like you. You are now able to fully customize home loans in the way you want. We are always finding innovative ways to empower consumers to get better better real estate goals."
Golden Century Financial Services As a broker and owner of the Golden Century Financial, Sam Kahlil helps clients save 15 years or more on their mortgages – amounting to tens of thousands of dollars saved on interest! Sam is up-to-date on all financial training and continuing education courses required by the industry
3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
Established in 1996, American Pacific Mortgage, is known for its customer service and quality loan estate programs. We are an independently owned mortgage banking firm and our teams consist of highly qualified loan consultants and processing staff. If you are wondering where to start, the best place is a phone call.
3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
Cedar Mortgage, established in 1981, is an independently owned mortgage brokerage firm, renowned for customer service and quality real estate programs. Our office family consists of qualified loan consultants and processing staff, and our lending portfolio represents one of the most comprehensive program collections in the United States.
236 N. Santa Cruz Ave, Suite 103, Los Gatos, CA, 95030
Direct Mortgage Funding know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.Today's technology is providing a more productive environment to work in. For example, through our website.
3005 Silver Creek Road, Suite 214, San Jose, CA, 95121
Pacificwide was created in February 2009 by Leon Le & Stanley Lieu, two successful senior engineers in Silicon Valley. We started with a few agents who had a strong passion for real estate & mortgage, and today Pacificwide has grown into a business with nearly 80 elite agents. We provide outstanding client counseling, education etc.
The Santa Cruz Community Credit Union pursues a vision of vital local communities whose members contribute individually and collectively to a just society. In our vision, all people have full access to economic opportunity, and have the resources to make effective financial decisions for themselves, their families, and their communities.
