USDA and FHA Pro and Con in Goleta, Santa Barbara County, CA

In 2025, the USDA loan limit for Goleta, located in the county of Santa Barbara, CA, is $626,500. In contrast, the FHA limit for a single-family residence is $805,000.

Utilize the Lendersa® USDA loan calculator to evaluate the best current USDA versus FHA rates. This tool helps you determine income, credit, reserves, and documentation needed for qualification. Our enhanced mortgage calculator offers side-by-side comparisons of USDA, FHA, Conforming, and VA loans, enabling you to decide which option in best suits your situation.

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Loan limits and down payment requirements for 2025 in Goleta, Santa Barbara, CA

Loan Type Loan Limit Down Payment
USDA $626,500 0%
FHA $805,000 3.5%
Conventional Conforming $805,000 3%

Exploring USDA and FHA loans in Goleta, CA

The aim of Lendersa® is to swiftly secure the most favorable USDA or FHA loan for you, with minimal hassle. Choose one of three starting paths that lead you to matched lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, secured by the U.S. Department of Agriculture, also called a USDA rural development loan, is accessible only in rural areas. Unlike FHA loans that necessitate a 3.5% down payment, USDA loans offer the benefit of requiring no down payment at all.

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



  • Florida Sands Realty Inc.
  • 1921 E Atlantic Blvd, Pompano Beach, FL, 33060
  • Florida Sands is a full-service real estate brokerage working with buyers and sellers in Broward, Southern Palm Beach and Northern Miami-Dade Counties. Located in the heart of East Pompano, we thrive on helping our customers through a unique team approach. Florida Sands is the best place to develop and grow your real estate business.
  • Pompano Beach City Empl CU
  • 420 NE 19th Ave, Pompano Beach, FL, 33060
  • Pompano Beach Employee Credit Union has been serving the employees & their families since 1956. Over the years the Pompano Beach Employee Credit Union has grown in assets in excess of 10 million. We are regulated by the National Credit Union Administration (NCUA), an agency of the Federal Government, and the State of Florida Department of Banking.
  • Faith Mortgage Corporation
  • 603 East Atlantic Blvd, Pompano Beach, FL, 33060
  • FAITH MORTGAGE CORPORATION is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
  • Interamerican Bank, A FSB
  • 9190 Coral Way, Miami, FL, 33165
  • At Interamerican Bank, we strive to create banking relationships that last a lifetime. We value our customers and go above and beyond to create a first class experience tailored to our customer’s banking needs. For that reason, a large amount of our customers have been with us for many generations.
  • ZoomLoans
  • 9588 SW 40th St, Miami, FL, 33165
  • At ZoomLoans, we understand that contracting a loan is much more than just money, it’s a commitment. We’re here to guide you through the loan process, select the perfect conditions for your situation and cater to your needs every step of the way. We don’t allow frivlious barriers, such as bad or no credit to halt your financial needs
  • Brightstar Mortgage Solutions LLC
  • 11401 Southwest 40th Street, Suite 326, Miami, FL, 33165
  • All of our team members were born and raised in South Florida. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our fellow South Floridians while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks
  • Capstone Mortgage Lending LLC
  • 11401 SW 40th St, Suite 206, Miami, FL, 33165
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • United Financial Insurance Group, LLC.
  • 2061 W. La Plume Rd, La Plume, PA, 18440
  • United Financial Insurance Group, LLC. is a national real estate capital services company and an originator of commercial real estate debt and equity transactions. We combine in-depth market expertise, passion for our work, and a willingness to break new ground to provide our clients with the ultimate customer experience.
  • AR1 Mortgages Inc
  • 301 East Commerical Blvd, Oakland Park, FL, 33334
  • Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Advanced Mortgage Planners Inc
  • 120 Northeast 51st Street, Fort Lauderdale, FL, 33334
  • Our loan officers are nationally registered and state licensed ensuring you are working with a mortgage professional who knows the market, Florida and National lending laws, and maintains the professional standards required the National Mortgage Licensing System and Florida Office of Financial Regulation.
  • O'Brien Financial Group Inc
  • 1400 E Oakland Park Blvd, Suite 101A, Oakland Park, FL, 33334
  • O’Brien Financial Group of Fort Lauderdale has successfully helped many South Florida residents save money on their home financing. Whether you are looking to refinance your current home loan or a first time buyer/investor, the knowledgeable and skilled team at O’Brien Financial Group, Inc. has the experience and dedication needed.
  • CT Capital, LP
  • 6300 NE 1st Ave, Suite 201, Fort Lauderdale, FL, 33334
  • CT Capital offers hard money bridge loans for non-conforming loans real estate projects and other business asset financing and consulting. CT is located in Fort Lauderdale and serves borrowers directly as well through brokers. We offer many hard money services, others simply cannot provide.