USDA Vs. FHA your options comparison in Mission-Hills, Santa Barbara County, CA
For 2026, 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.
2026 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.
118 Vintage Park Boulevard, Suite W700, Houston, TX, 77070
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.
118 Vintage Park Boulevard, Suite WV162, Houston, TX, 77070
We founded Sequoia Mortgage with the core belief that we can provide a better and more personalized experience to every customer we are privileged to serve.
Providing that intangible something that takes average to amazing is what drives us. These aren't just words to us, they are the force behind everything we do to help our customers.
Vintage home loan LLC mission is to deliver the traditional values of extreme competence and excellent customer service through the entire loan experience and also offer the same traditional mortgage lending options as our competition, but we have leapt into the future of mortgage lending by offering non traditional mortgages as well.
Next Step Home Loans, LLC is a mortgage broker headquartered in Houston but we can offer our programs and mortgage services throughout the entire State of Texas. We are a preferred mortgage broker for some of the top mortgage wholesale lenders in the country and we use that preferred status to offer our clients.
Bank Midwest can help you manage your business with accounts and services designed for commercial banking. We also offer real estate financing, commercial insurance protection or group retirement plans or trust and estate services and also Bank Midwest provides a complete portfolio of financial services to businesses.
Lending Company, L.L.C. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
In 1907 some young influential business and professional people recognized that the financial needs of rural Sebastian County were not being met, so in 1907 Farmers Bank was organized. Today, during a time of mass mergers and takeovers, Farmers Bank is among the oldest banks in Arkansas still operating under its original charter as when it was orga
Dakota Heritage Bank aspires to have a strong image created by helping our customers accumulate and retain wealth. We will sell those products and services that will enhance our customers’ ability to reach their financial goals.Our core purpose is to make a positive impact in our communities and in the lives we touch.
We offer a full array of loan, deposit and on-line banking products at competitive rates to compliment your entire commercial and/or consumer banking needs. Please contact the banking center nearest you to see the true meaning of what "Community Banking and Service" should be. Our expectation is to make a difference.
Morton Mortgage, Inc. is a Texas Mortgage Company. Renee Morton and her team bring the expertise of over 40 years to the closing table. They take great pride in offering competitive rates, exemplary customer service and great attention to detail to insure your home lending experience is the finest.
Established in 1958, Texas Bank and Trust today stands as one of the state’s strongest independent financial institutions, offering a brand of banking that is as difficult to duplicate as it is easy to recognize.
We pride ourselves on providing technologically advanced products and competitive pricing
America's Mortgage Center specializes helping home buyers get into homes with very little or no money down. Over 20 years experience in FHA, VA, USDA Loans. We help seniors with Reverse Mortgages. Our low rates and low closing cost make all of our mortgage loans affordable for Refinancing, Home Equity Loans. Call us today to get started.
