USDA Vs. FHA Pro and Con comparison in Isla-Vista, Santa Barbara County, CA
In 2026, the USDA loan limit for Isla-Vista, located in Santa Barbara county, CA, is $528,000, whereas the FHA limit for a single-family home is $660,100.
Utilize the Lendersa® USDA loan calculator to effectively compare the top current rates available for USDA and FHA loans. This tool assists you in determining the income, credit, reserves, and required documents needed to qualify. With our comprehensive mortgage calculator, you can explore USDA, FHA, Conforming, and VA options side by side, helping you choose the program that best fits your financial needs, particularly in Alabama.
2026 Loan Limits and Down Payment Requirements in Isla-Vista, County of Santa Barbara, CA
Loan Type
Loan Limit
Down Payment
USDA
$528,000
0%
FHA
$660,100
3.5%
Conventional Conforming
$660,100
3%
Investigate USDA and FHA Loan Options in Isla-Vista, CA
The mission of Lendersa® is to secure you the best USDA or FHA loan quickly and efficiently, without unnecessary stress. Choose one of three starting methods to match with lenders and USDA loan programs.
A USDA home loan is guaranteed by the U.S. Department of Agriculture and is also known as a USDA rural development loan or USDA mortgage. It is available exclusively in rural areas. In contrast to FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment.
1501 Highwoods Boulevard, Suite 103, Greensboro, NC, 27410
The Triad’s economy is fueled by small businesses and these companies need capital to continue to thrive. The Triad has gone from a banking community with local leadership with a vested interest in the Triad to larger institutions with broader interests. Triad Business Bank can be a catalyst for our community.
10250 SE US Highway 441, Suite 101A, Belleview, FL, 34420
"Mortgage Xperts is a mortgage lender located in Belleview, Florida. They offer various loan programs
including conventional, reverse, and government mortgage loans. They are dedicated to fair and
equitable lending practices and offering the best opportunities for every potential homeowner"
"We help take the Stress out of the Mortgage process. Purchases, Refinance, Investor specials. Free consultation, low rates with fast Stress Less Closings.
Experienced Owner with a demonstrated history of working in the mortgage industry. Skilled in Sales, Risk Management, and Training."
181 Bluffton Road, Suite F-102, Bluffton, SC, 29910
The Kristoff Team has been lending locally in Hilton Head Island and Bluffton since 1989. We have worked with thousands of clients and received numerous top producer awards by lending $3 billion over our combined 50 years. Our philosophy is simply, “say what you mean, mean what you say, and do what you say you’re going to do.”
Finance. Jason has been in the mortgage industry since 2001 and founded Mortgage Lending Associates in 2003. He is an experienced and knowledgeable mortgage executive, he has personally funded over 100 million in residential loans. Outside of mortgage lending Jason enjoys running, playing basketball and spending time with his two children
We understand the mortgage transaction process, how it works and how it impacts the life of every person applying to buy a home. From our founding, we’ve built personal relationships with each of our customers to better the process for everyone. First Option began with an idea: To provide a better life for employees and customers alike.
Titan Home Lending, based in Tampa, is one of Florida’s leaders in FHA 203K and Fannie Mae HomeStyle Renovation Loans. These little known and highly misunderstood programs have helped thousands of home buyers purchase properties at below market value, fix them up to make them their own
Membership in Savannah Schools FCU is an ongoing benefit to employees and associates of participating companies or groups. As a full-service financial institution, the credit union:
Provides security for funds, with accounts insured up to $250,000 by the National Credit Union Administration, a U.S. government agency.
Offers a full line of fr
Century Bank of Florida was established to be a locally owned community bank, serving the financial needs of individuals, not-for-profit organizations. Our mission is to make a profit for the shareholders, provide personalized quality financial services at competitive prices, and to maximize earnings, while operating in a safe and sound manner.
