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
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| Loan Category | Maximum Loan | Downpayment Required | |
| USDA | $626,500 | 0% | |
| FHA | $805,000 | 3.5% | |
| Conventional Conforming | $805,000 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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