USDA Vs. FHA your options comparison in Freedom, Santa Cruz County, CA
Within 2026, the USDA loan limit in the city of Freedom, located in the county of Santa Cruz, CA, is $626,500. For FHA loans intended for single-family homes, the limit is $805,000.
Try the Lendersa® USDA loan calculator to effectively weigh today’s best USDA and FHA rates. It helps compute the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator offers a comparative view of USDA, FHA, Conforming, and VA, assisting you in choosing the best option available in for your financial situation.
2026 Loan Limits and Downpayment Requirements in Freedom, Santa Cruz, CA
Loan Category
Maximum Loan
Downpayment Required
USDA
$626,500
0%
FHA
$805,000
3.5%
Conventional Conforming
$805,000
3%
USDA and FHA Loan Choices in Freedom, CA
The mission of Lendersa® is to quickly secure the most advantageous USDA or FHA loan, with minimal effort. You can choose among three initial approaches that lead to matching lenders and USDA loan offerings.
A USDA home loan is a government-backed mortgage option, administered by the Department of Agriculture, also known as USDA rural development loan or USDA mortgage, meant exclusively for rural areas. Unlike FHA loans which necessitate a minimum 3.5% downpayment, USDA loans require no downpayment at all.
The Chappell Hill Bank was chartered in 1907 and has operated continuously in the same location in Washington County since its inception. The Bank was originally chartered as Farmers State Bank on September 1907. In 1989 the Articles of Association were officially amended to change the name from Farmers State Bank to Chappell Hill Bank.
Charter Bank is located in Corpus Christi, TX, USA & is part of the Depository Credit Intermediation Industry.Charter Bank has 55 total employees across all of its locations & generates $42.03 million. Charter Bank is chartered under the laws of the State of Texas & by state law is subject to regulatory oversight by the Texas Department of Banking.
We are committed to creating life long relationships with our members through exceptional service and financial products. To become our members’ preferred partner for their everyday financial needs. STAR Financial Credit Union began in 1959 as a means to provide the employees of Pontiac Refinery.
Victoria Teachers FCU Credit unions provide the same products and services as other financial institutions—but credit unions are not-for-profit and exist to help people, not to make a profit. As such, all earnings are returned to their members in the form of high-interest savings and low rate loans.This also enables credit unions to operate at a lo
4140 Thielman Lane, Suite 105, Saint Cloud, MN, 56301
Stearns Financial Services Inc. (SFSI) is a well-capitalized, $2.3 billion independent financial holding company based in St. Cloud, MN. Founded in 1912, the bank was acquired by Norm Skalicky in 1964. His daughter Kelly Skalicky became president in 2018, and later was named president and CEO.
1532 West St. Germain Street, Saint Cloud, MN, 56301
Great River Federal Credit Union is dedicated to serving all members in a confidential and professional manner. We are in business to provide you with convenient and efficient financial services. Our mission is "Building lifelong relationships by providing valuable financial services that our members recommend, benefits the community.
Since 1939, Liberty has been providing quality financial services to Central Minnesota residents. As St. Cloud’s only remaining original bank with continuous family-ownership, we recognize our unique obligation to provide quality service on a first name basis. Our focus is providing retail banking services to individual customers.
606 25th Ave South, Suite 101, Saint Cloud, MN, 56301
"St. Cloud Mortgage, Inc. can give you an affordable mortgage with outstanding customer service during the entire process.
Same-Day Pre-Approvals
Refinance Options
Credit Assistance
Mortgage Brokerage
Variety of Home Loan Programs. With all of our home loan programs at St. Cloud Mortgage, Inc."
Granite City Mortgage has been in Business since April of 1996 serving the local Saint Cloud area and surrounding communities. Granite City Mortgage of St. Cloud offers a variety of mortgage programs, including:* Conventional loans* Government loans* No up-front fees* Zero down programs* Refinancing* Home equity loans* Debt consolidation.
First State Bank of Odem was established in 1945, by a group of local business men. For the last 75 years we have been serving San Patricio and Northwest Nueces County with "Home Town Banking". First State Bank of Odem is a Locally Owned Independent Community Bank, committed to providing our customer with High Quality, Friendly Customer Service.
First State Bank of Bedias is an independent community bank serving Grimes County, Texas and surrounding counties. First State Bank of Bedias proudly celebrated 110 years of continuous operation during 2017 and remains one of the few locally owned and managed financial institutions in the area.
Cypress Bank officially began operation October 3, 1977. Beginning with capital of $500, 000 and three full time employees. We now post assets of $200, 000, 000 and capital of $21, 500, 000 and employ 75 employees at our five locations. Our growth is reflective of the growth and prosperity of the Northeast Texas region.
