In 2026, the USDA loan limit for Live-Oak in Santa Cruz county, CA, is $657,900. By contrast, the FHA limit for a single-family home is $822,375.
Take advantage of the Lendersa® USDA loan calculator to compare today's leading USDA and FHA rates. This calculator helps evaluate the necessary income, credit, reserves, and required documents for qualification. Using our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the best program for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The main objective of Lendersa® is to secure the most suitable USDA or FHA loan for you promptly and effortlessly. Begin by selecting one of three options that pair you with appropriate lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture and known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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