By 2025, the limit for USDA loans in Lompoc, within Santa Barbara County, CA, is $626,500. Meanwhile, the FHA loan limit for a single-family home is $805,000.
With the Lendersa® USDA loan calculator, you can compare the best rates for USDA and FHA today. It also helps determine the income, credit score, reserves, and documents required for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, assisting you in selecting the most suitable option in for your financial circumstances.
Loan Limits and Down Payment Requirements for 2025 in Lompoc, Santa Barbara, CA
Loan Type
Loan Limit
Down Payment
USDA
$626,500
0%
FHA
$805,000
3.5%
Conventional Conforming
$805,000
3%
Available USDA and FHA Loan Options in Lompoc, CA
Lendersa® aims to secure you an optimal USDA or FHA loan quickly and simply. Begin with one of the following three approaches to find matching lenders and USDA loan programs that suit your needs.
A USDA home loan, also known as a USDA rural development loan or mortgage, is government-backed by the Department of Agriculture. It is intended for use in rural areas exclusively. Unlike FHA loans which require a minimum down payment of 3.5%, USDA loans require no down payment.
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