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.
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.
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.
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