FHA Vs. USDA loan program for Day-Valley, Santa Cruz County, California

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.

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.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in CA

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.

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(417) 887-1983 Lender's profile and map Reviews BluCurrent Credit Union 1770 W Sunset, Springfield, MO, 65807 BluCurrent Credit Union is Springfield's largest credit union with over 22, 000 members, 4 branch locations, and over $260 million in assets. We provide access to more than 5, 000 shared branches through our unique CU Service Center affiliation, and nearly 30, 000 free Nationwide ATMs through our CO-OP Network membership.
(417) 942-5250 Lender's profile and map Reviews Home Mortgage Group INC 3608 S Campbell Avenue, Springfield, MO, 65807 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(417) 831-4398 Lender's profile and map Reviews AGCU 1535 N. Campbell Ave, Springfield, MO, 65803 AGCU is a faith-based credit union, affiliated with the Assemblies of God since 1951. Our vision is to be the most relevant faith-based credit union in the world to our members, fellowship, communities, organization, and co-workers. AGCU provides banking options for individuals, families, businesses, nonprofits, and ministry organizations.
(612) 240-1462 Lender's profile and map Reviews Lake Community Bank 1964 West Wayzata Boulevard, Long Lake, MN, 55356 In 1905, our Bank was founded with a commitment to be the best Hometown Bank and serve the needs of the local community. As our community has grown, so have we. A lot has changed over the years, but our commitment has not. We’re proud to be a local, independent community bank, and we’re here to deliver our best for you.
(956) 618-7500 Lender's profile and map Reviews South Texas Federal Credit Union 2121 Dove Avenue, McAllen, TX, 78504 South Texas Federal Credit Union is a full service Financial institution established in 1952 in McAllen, TX. STFCU offers checking and savings, as well as CDs and IRAs, accounts to any resident of the Hidalgo County, but with 55, 000 ATMs nationwide for the convenience of our members.
(956) 574-7344 Lender's profile and map Reviews Lone Star National Bank 520 E. Nolana Avenue, McAllen, TX, 78504 Lone Star National Bank is a full-service independent community bank with many locations across South Texas, founded on January 23, 1983. Lone Star National Bank is a technologically advanced, full-service, independent, community bank with over 700 employees and many locations across South Texas.
(956) 287-5626 Lender's profile and map Reviews Mr. Mortgage, LLC 1300 N. 10th St, Suite 330K, McAllen, TX, 78504 Mr. Mortgage, LLC was born, to provide clients & business partners with the highest level of personalized service, expertise & competitive home loan programs in the market today. We are a full-service residential mortgage broker providing Home Loans across the state of Texas. We pride ourselves on making the loan process simple & straightforward.
(956) 217-0391 Lender's profile and map Reviews Global Fox Financial 2511 Buddy Owens Blvd, Suite A, McAllen, TX, 78504 Global Fox Financial is a private commercial real estate lender and structured finance company that offers financing to borrowers directly and through a network of finance professionals. Global Fox Financial is additionally a partner of Rio Grande Capital LLC, our account receivable brokerage. We feature a variety of commercial loan programs.
(956) 789-2121 Lender's profile and map Reviews Diversified Lending Group 5412 N. 10th St, McAllen, TX, 78504 Joe Cuellar, Branch Manager for Castle & Cooke Mortgage in McAllen, Texas, truly knows the ins-and-outs of the mortgage business! Whether clients are seeking alternative ways of generating income through investing in real estate or are simply looking for a home mortgage, Joe is the guy to see. With more than 30 years in the financial
(956) 627-3567 Lender's profile and map Reviews A.A. Genesis Investments, LLC 1012 Martin Avenue, Suite C, McAllen, TX, 78504 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(956) 571-4768 Lender's profile and map Reviews Mortgage Pros 5801 N 10th St, Suite 300, McAllen, TX, 78504 Mortgage Pros is a mortgage provider, supported by Directions Equity LLC, and based in McAllen TX. We provide residential financing for the purchase or refinancing of residential real estate.We’re a group of highly experienced mortgage professionals. Every team member has extensive mortgage experience and expertise.