In 2026, 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
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $626,500 | 0% | |
| FHA | $805,000 | 3.5% | |
| Conventional Conforming | $805,000 | 3% |
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.
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?
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