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.
cPort Credit Union has evolved throughout the years since its 1931 inception. What began as the Federal Employees Credit Union of Maine and only the third CU in the state of Maine has come to mean so much more to the community. We have been fortunate to have sustained strong member growth throughout the years and have expanded our company.
Evergreen Credit Union is one of the largest credit unions in Maine, with $400 million in assets and serving over 25, 000 members throughout Southern Maine. We proudly serve all the banking needs of individuals, families and local businesses. As a local credit union, we get to really know our members
Vision Mortgage was established in 2015 by long-time Portland resident Tim Fredheim, a highly-respected, widely-recognized expert in the field. His qualifications are especially impressive because they combine academic excellence with an extensive array of hands-on experience and We’ve created a streamline process.
Maine has a lot of mortgage lenders, and I know you have options in your home loan shopping process. I can provide a level of customer service and home loan options that most traditional loan officers or even your bank can not make available. Competitive Maine mortgage rates, personal attention, a variety of mortgage loan options.
Coast Line Credit Union, originally chartered as Railroad Workers Credit Union of Maine, was organized in 1927 to serve the employees of the Maine Central Railroad Company and/or Portland Terminal Company. In 1996 the name of the credit union was changed to Coast Line Credit Union to reflect its expanded field of membership.
Maine Media Federal Credit Union is committed to providing the highest level of financial service to our membership, a group comprised of media professionals and their family members. Maine Media Federal Credit Union sets itself apart from the rest with personal, friendly service - it's the foundation we're built on.
At Town & Country Federal Credit Union, we pride ourselves on our superior products and outstanding member service. We consider our members to be our number one priority.
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24 Christopher Toppi Drive, South Portland, ME, 04106
Residential Mortgage Services inc. offers borrowers a full spectrum of integrated loan processing, underwriting and direct lending services – all under one roof. The result? Fast processing of residential mortgage applications, and a better overall experience for you! We offer conventional purchase and refinance home loans
10 Donald B Dean Dr, Suite, Suite 2, South Portland, ME, 04106
Acadia Lending Group is the largest mortgage broker in the State of Maine offering industry leading technology, a variety of lending options, low-rate mortgages, and unparalleled customer service. We've become the mortgage experts the resident of Maine depend on for all their purchase and refinance needs.
Founded in 2017, Home Base Mortgage Group has quickly grown into one of the top mortgage companies in the state. When Home Base Mortgage Group first started out, their passion for helping people drove them to open their own Mortgage Company to provide the best possible knowledge, experience and customer service to each borrower.
Cumberland County Federal Credit Union (CCFCU) is the 8th largest credit union in Maine, locally operated and member-owned, and offering a full range of financial services. Headquartered in Falmouth, ME, CCFCU currently has a Contact Center and five branch locations – Portland, Westbrook, Gray, Windham and Yarmouth.
