For 2026, the USDA loan limit in Felton, within Santa Cruz county, CA, is $626,500, while the FHA limit for a single-family home is $805,000.
Utilize the Lendersa® USDA loan calculator to effectively compare today’s premier USDA and FHA rates. Determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA, helping you choose the best program available in for your financial situation.
Loan Limits and Downpayment Requirements 2026 in Felton, Santa Cruz, 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 Felton, CA
The aim of Lendersa® is to provide you with a suitable USDA or FHA loan quickly and without hassle. Choose one of three initial paths to find matching lenders and USDA loan offerings.
The USDA home loan, offered by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans that need a 3.5% minimum down payment, USDA loans require no down payment.
5521 Scotts Valley Drive, Suite 240, Scotts Valley, CA, 95066
Lends in California
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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.
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236 N. Santa Cruz Ave, Suite 103, Los Gatos, CA, 95030
Lends in California
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