USDA Vs. FHA your options comparison in Mission-Hills, Santa Barbara County, CA
For 2025, in Mission-Hills, the USDA loan limit in Santa Barbara, CA, is set at $528,000, while the FHA loan limit for a single-family home is $660,100.
Leverage the Lendersa® USDA loan calculator to compare today's USDA and FHA top rates. It also identifies the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the right program in for your financial needs.
2025 Loan Limits & Down Payment in Mission-Hills, 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
The mission of Lendersa® is to secure you the best USDA or FHA loan quickly and with ease. Choose from three ways to find matching lenders and USDA loan programs that fit.
The USDA home loan, guaranteed by the Department of Agriculture, is also known as the USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, USDA loans require none.
We understand that buying or selling a home is more than just a transaction: it’s a life-changing experience. That’s why our team of highly-seasoned real estate professionals is dedicated to providing exceptional, personalized service for all of our clients. Emily Armet, owner and broker of Avalon Real Estate & Home Loans.
At Colony Mortgage we take special pride in our ability to offer the most complete selections of mortgage financing options to our clients, insuring a smooth, worry free transaction. We love what we do, and seek to find what fits each borrowers needs individually. Our loan officers are interested in your needs!
Heritage Financial was established in 1990 on the same ethics and standards that keep their doors open today. We are a locally owned and staffed mortgage brokerage with an amazing team of professionals that have the experience and knowledge to get the job done right.
We believe in education, not only for our clients but also our company.
I have been involved in real estate for over 35 years. My vast experience has provided me with extensive knowledge of the entire loan process. Today, as a licensed Mortgage Broker and Loan Officer, I am able to provide a wealth of information to my clients. As a true mortgage professional, I’m looking to build relationships so my clients
At Spinnaker Financial, finding a mortgage designed just for you is precisely what we do. In fact, it’s all we do. Spinnaker Financial was founded in February 1993 by Tyson Hayward. With over 90 years combined experience between Kay Otis, Mary Swabb, and Tyson Hayward, the Spinnaker Financial team is knowledgeable
CRM Funding is based in Ventura, California and has provided mobile and manufactured home financing throughout California since 1991. At CRM Funding, we offer financing for the purchase or refinance of double wide homes 1970 and newer, with exception made for well maintained older homes.
Specializing in the unique Ventura County real estate market. You have found your Realtor resource for buying and selling your next home. With expertise in Ventura County real estate for both purchasing and listing properties, all of your real estate needs can be handled. Whether you are looking for a property
County Schools Federal Credit Union is a member owned financial institution whose staff and volunteers are committed to operating a financially sound credit union by providing our members financial services of the highest quality and security with personal and professional integrity while pursuing sound.
1280 S. Victoria Avenue, Suite 180, Ventura, CA, 93003
Landmark Financial is a Ventura, California based mortgage company that has been in business since 1995. Our loan originators and staff provide our clients with the best possible loan experience. To that end, we have been voted best mortgage lender in the west Ventura county the last 6 of 7 years by the readers of the Ventura County Star.
"AltLender Mortgage specialty is Alt-Doc/Non-QM lending solutions in multiple states with a pledge of providing the lowest interest rates offered by any competitor with similar guidelines.
Our programs are ideal for:
• Self-Employed borrowers who have too many write-offs on their tax returns"
1000 Town Center Drive, Suite 300, Oxnard, CA, 93035
Bluestar Funding works for you. When you need a home loan to buy a house or refinance a property, Bluestar Home Loans will help. We opened our locally owned mortgage broker in 2002. Getting to work with homeowners is exciting as we get to help people through the mortgage process, bring you the best interest rate and closing costs,
CBC Federal Credit Union was established in March of 1952 by a small group of civilian employees working as civil engineers at the Construction Battalion Center (CBC) in Port Hueneme, California, to serve the savings and borrowing needs of the civil employees on base. They applied for and received approval for a Federal Credit Union charter.
