In 2026, the USDA loan limit in Guadalupe, county of Santa Barbara, CA stands at $626,500. Meanwhile, the FHA limit for a single-family home is $805,000.
The Lendersa® USDA loan calculator helps compare the top USDA and FHA rates available today. Assess the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, guiding you to select the best program for your financial needs in
Compare loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $626,500 | 0% |
| FHA | $805,000 | 3.5% |
| Conventional Conforming | $805,000 | 3% |
Lendersa® aims to promptly connect you with the best USDA or FHA loan easily. Choose from three initial paths to match with lenders and available USDA loan programs.
A USDA home loan, also known as a USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture and is available in rural neighborhoods. Unlike FHA loans which require a down payment of at least 3.5%, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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