USDA Vs. FHA Pro and Con comparison in Isla-Vista, Santa Barbara County, CA
In 2025, 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.
2025 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.
We have built financial relationships since 1921 –we remain committed to providing personalized service and financial solutions to meet the growing needs of an entire community. Through a legacy built on principle, we go beyond meeting needs of offering banking products and service solutions; our mission is to financially empower our customers
Georgia's Own was founded in 1934 by a group of telephone employees with an initial investment of $160. Since that time, the Credit Union has grown to be one of the largest Credit Unions in the state with assets over $2 billion and membership over 180, 000. In addition, we serve the employees of over 430 sponsor companies.
235 Peachtree St. NE, Suite 434, Atlanta, GA, 30303
At AGAP Commercial Services, where the monetary needs of your business are met through flexible financing solutions. It’s no secret that getting capital can be difficult. Low credit scores, cash flow problems, & a lack of collateral can prevent business owners from getting the funds & financing they need to succeed. That is where AGAP comes in.
Our team of capital advisors have delivered superior terms and rates for deals ranging from single family fix’n’flips to institutional grade multi-million dollar projects across the US. and also We will not only advise on your acquisition, but also identify the right lender for the specific asset class, negotiate the best terms + rate.
560 North Milford Road, Suite 202, Milford, MI, 48381
Our mission is to serve 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. Most importantly, we promise to help you.
Gist Group LLC is a First Class Commercial Real Estate Firm. Established in 2013 in Myrtle Beach, SC. Currently owned and operated in Atlanta, GA. Gist Group LLC has been positioned as a leader in finance brokerage industry. Reviewing thousands of Business and Real Estate projects annually.
Baker Collins & CoWe produce fast, reasonable, secure real estate loans that enable investors to close quickly on residential or commercial property investments. Baker Collins private money lenders, also known as hard money lenders, issue real estate financing that avoids the time-consuming process and requirements of conventional lenders.
APCU was chartered in 1925 as the state’s first not-for-profit financial institution. Like all credit unions, APCU is a member owned cooperative. As a non-profit organization, we return profits to our members in the form of better rates and fewer fees. Once a member, you’re always a member, even if you change employers, retire, or relocate.
1201 Peachtree Street NE, Suite 343, Atlanta, GA, 30361
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.
