USDA VS FHA in Mission-Hills, Santa Barbara County, CA

In 2024, USDA loan limit in Mission-Hills, county of Santa Barbara, CA is $528,000 while FHA limit is $660,100 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2024 loan limits and downpayment requirments in Mission-Hills, 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%

USDA and FHA loan options in Mission-Hills, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Bank Star One
  • 1999 W. Osage, Pacific, MO, 63069
  • We’re not just a bank. We’re a really good bank. One that helps you take care of your money without having to work too hard, because you already work hard enough. Whatever you need from your bank, you can find it right here. Bank Star's headquartered in Fulton, MO & also has branches in New Bloomfield, Lake Ozark, and Osage Beach -all in Missouri.
  • American Nationwide Funding LLC
  • 60 Crossroads Plaza, O Fallon, MO, 63368
  • Patrick Flynn, Army Veteran and Owner of American Nationwide Funding has over 25 years of experience in real estate and investment banking and finance. He obtained his Executive MBA from Washington University and is a certified CFC. Pat's achievements include being one of the top account executives for the Clayton Merrill Lynch branch,
  • West Community Credit Union
  • 4161 Highway K, O Fallon, MO, 63368
  • Chartered in 1936, West Community Credit Union is a progressive financial institution that currently serves more than 17, 000 members and businesses. We specialize in friendly, personal service using the latest in innovative technology. As a member-owned financial cooperative, we can generally offer better loan and savings rates and fewer fee
  • Raritan State Bank
  • 110 East Main Street, Raritan, IL, 61471
  • The RSB employs 30 full-time employees & 9 part-time employees. Of this staff, 5 full-time employees have been with the bank for 25 years or more. A total of 6 have enjoyed employment with RSB for 15 years or more. With the remainder of the staff ranging in tenure from 1 to 15 years, RSB can offer both highly tenured experienced employees.
  • Farmers State Bank - A Tradition of Trust
  • 108 East Adams, Pittsfield, IL, 62363
  • Farmers State Bank, headquartered in Pittsfield, IL, has been locally owned since 1889 and remains one of the strongest banks in the nation. Farmers State Bank is ranked the number one bank in agriculture in its market areas of Pike, Scott, Greene, Jersey, Morgan and Adams Counties.
  • Colchester State Bank
  • 113 Depot Street, Colchester, IL, 62326
  • Colchester State Bank's Vision is To be a premier financial institution in West Central Illinois by providing quality service and products to our customers and community. Colchester State Bank is a full-service bank. The bank accepts deposits, makes loans and provides other services for the public.
  • Farmers Savings Bank
  • 205 Main Street, Colesburg, IA, 52035
  • The Farmers Savings Bank story began on January 26, 1907 in Colesburg, Iowa. Fifty seven years later, the Juergens Family acquired the bank in November of 1964, & since then we have expanded to Elkport, Strawberry Point & Arlington. Although our foot print has changed, our commitment to serving the communities we are a part of has never wavere
  • The Loan Machine
  • 719 State Hwy K, O Fallon, MO, 63366
  • The Loan Machine offers installment loans and lines of credit of any amount up to $5, 000*. These are unsecured signature loans. We offer easy repayment terms, and our rates are typically less than half of those charged by payday loan companies. The Loan Machine is here to take some of the worry out of your situation.
  • Mortgage143 LLC
  • 314 Walnut Forest Drive, O Fallon, MO, 63366
  • Ed Bauwens Owner at Mortgage 143 LLC. Ed have been a Mortgage Loan Specialist for the past 20 years. Ed Bauwens started his own Mortgage Brokerage company in 2020, to make you my first priority, while also helping fit your budget and terms into your most important investment; YOUR HOME!
  • Rayne State Bank & Trust Company
  • 200 South Adams Avenue, Rayne, LA, 70578
  • All banks claim to be the best dwelling for your money. When you are looking for the best place to bank, know that at Rayne State Bank customer service is priority #1 , we guarantee it. It is our hope that at Rayne State Bank you will get a clear indication of what we stand for: integrity, excellence and professionalism.
  • People's Credit Union
  • 904 E Texas Avenue, Rayne, LA, 70578
  • Credit Union has been open since 1942. The credit union has assets totaling $26.64 Million and provides banking services to more than 4, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans and other financial services to members.
  • Rayne Building & Loan Association
  • 200 North Adams Avenue, Rayne, LA, 70578
  • Rayne Building and Loan Association’s mission is to provide personalized banking solutions for every stage of life with ongoing customer satisfaction in a range of products and services. RBL's focus on supporting the development of homes, communities and neighborhoods has been engrained in our culture since the beginning.