USDA VS FHA in Felton, Santa Cruz County, CA

For 2025, 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.

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Loan Limits and Downpayment Requirements 2025 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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • South End Capital Corporation
  • 101 Merritt 7 Corporate Park, Suite 300, Norwalk, CA, 06851
  • Founded in 2009, South End Capital is a nationwide, non-conforming lender and intermediary. We offer mortgages secured by commercial and investment residential real estate, as well as collateralized and uncollateralized business loans. Our technology-enabled platform delivers a streamlined loan process, and we are committed to providing excellent s
  • White River Credit Union
  • 96 North Main Street, Rochester, VT, 05767
  • The White River Credit Union is a full service, member-owned, not-for-profit financial institution. Our members comprise a radius around the Bethel, Randolph, & Rochester area. The White River Credit Union was formed in 1947 when five citizens in Rochester, Vermont wanted to create a small, friendly lending co-op to service the valley community.
  • Provost Capital
  • 2 Aspetuck Glen, Weston, CT, 06883
  • Provost Capital LLC is a direct private lender making loans to fund the purchase of real estate properties by investors looking to rehab either as a Fix&Flip or a Fix&Rent. With a deep and committed pool of investor capital, Provost is able to make quick and efficient loan decisions, provide proof of funds letters & fund purchases with A very s
  • DLA Capital Partners Inc.
  • 125 Froehlich Farm Boulevard, Woodbury, NY, 11797
  • DLA Capital Partners sets itself apart with truly excellent customer focus, marketplace knowledge and resourcefulness needed to deliver optimum results. We put power in our clients’ hands and are driving the process from beginning to end to ensure the best options, decisions and outcome possible. We deliver results, not excuses
  • Bethpage Federal Credit Union
  • 899 S Oyster Bay Rd, Bethpage, NY, 11714
  • Bethpage Federal Credit Union has been serving its members and their communities for 80 years. Just like when we first opened our doors for Grumman employees in 1941, we’re keeping our promise to continuously meet the changing needs of our members with personal service and value.
  • NCPD Federal Credit Union
  • 777 Old Country Road, Plainview, NY, 11803
  • NCPD Federal Credit Union is dedicated to providing superior financial services to those in Nassau County law enforcement and their families. We aim to help them reach their life’s goals by offering high dividend rates on savings and low interest rates on loans. Our array of products and services will give our membership a positive experience.
  • Mortgage Wealth Advisors Inc
  • 225 Executive Drive, Suite 410, Plainview, NY, 11803
  • Mortgage Wealth Advisors, Inc. is a concierge mortgage brokerage, arranging mortgage financing for clients throughout New York and Florida. We offer a wide range of loan products through an expansive network of lenders. We match the right loan to the needs of our borrowers, with competitive rates that satisfy even the most discerning clients.
  • Green River Capital Corp
  • 1670 Old Country Road, Suite 220, Plainview, NY, 11803
  • Green River Capital Corporation, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential & commercial lending industry by applying online today. You will find that the skill, professionalism, and consideration
  • Litchfield Bancorp
  • 294 West Street, Litchfield, CT, 06759
  • In May 1850 our bank came into existence by the granting of a state charter to operate as a mutual savings bank. The Litchfield Savings Society, as it was then known, opened its first account on July 23, 1850. We've been the same community bank ever since - no merger, no acquisition! Still dedicated to our customers.
  • Mortgage Cube
  • 63 Youngs Hill Road, Huntington, NY, 11743
  • Mortgage Cube makes sure we are in good compliance with banking departments Gabriel Ciccone, the owner of Mortgage Cube's secret is technology, knowledge, consulting with one client at a time and knowing market trends long before it became trendy. This has given our company an advantage over our competition.