USDA Vs. FHA your options comparison in Montecito, Santa Barbara County, CA
In 2025, the loan limit for USDA in Montecito, falling under Santa Barbara county, CA, stands at $626,500. In contrast, the FHA limit for a single-family home is determined at $805,000.
Use the Lendersa® USDA loan calculator to compare today's optimal USDA versus FHA rates and understand the qualifications in terms of income, credit, reserves, and necessary documents. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you determine the best program for your unique financial circumstances in .
2025 Loan Limits and Down Payment Requirements in Montecito, Santa Barbara, CA
Loan Type
Loan Limit
Down Payment
USDA
$626,500
0%
FHA
$805,000
3.5%
Conventional Conforming
$805,000
3%
Exploring USDA and FHA Loan Options in Montecito, CA
Lendersa® is committed to providing you with the best USDA or FHA loan in a swift and hassle-free manner. Choose one of three pathways that will match you with suitable lenders and USDA loan programs.
The USDA home loan, officially known as the USDA rural development loan or USDA mortgage, is supported by the government Department of Agriculture. These loans are solely available in rural neighborhoods, offering an advantage over FHA loans which require at least a 3.5% down payment, whereas USDA loans require none.
Fusion Bank, which has locations in Larned, Overland Park, and Pratt, attributes its longevity to dedicated people and a commitment to quality. The Bank is rated as a 5-Star Bank (the highest ranking) by BauerFinancial, and is listed among The Strongest Banks in the U.S. by Weiss Ratings.
The Farmers Credit Union was founded in 1953. The first location was an office located in the Farmers Co-op Building. The original capital was obtained by proceeds from a bake sale. Anyone who is a resident of Ellis County or adjoining counties is eligible to be a member of the Farmers Credit Union.
Bank of Hays offers HELOC's with competitive rates and terms. A HELOC loan can be used for many different purposes: a vacation, your child's education, home improvement, or unforeseen emergencies. A HELOC from Bank of Hays allows you to "make your own loan" as the need arises. Borrow as little as $5, 000.
At Golden Belt Bank, we take great pride in delivering our products in the manner our customer wants them. We strive to establish long-term relationships with our customers and our community. Every day, we get to help write the story. Because we believe one successful story builds one successful family,
First National Bank in Philip has, for over 110 years, served a large part of western South Dakota by providing quality banking based on customer service. We are proud that some relationships started three generations ago continue today. When you walk into our lobby, you will certainly be met with a smile.
509 North Merrill Avenue, Suite A, Glendive, MT, 59330
The Credit Union is a member-owned financial organization providing the most accessible and competitive financial services to meet the needs of our members, while maintaining long-term stability and growth BN Federal Credit Union's charter of membership includes all employees of:
Action For Eastern Montana
Albertson Food and Drug
and more
Our mission is simple to provide the best service and most competitive rates for you the member.Services Provided:
Share Accounts
Share Certificates (CD's)
Vehicle Loans
Recreation Vehicle Loans
Personal Loans
Payroll Deduction for Savings Deposits
Payroll Deduction for Loan Payments
Dakota Western Bank, established in 1910, is an independent, locally-owned bank that is headquartered and operated in southwest North Dakota. DWB is the local financial services leader that partners with our customers, employees and communities to achieve economic success and DWB employees provide a positive banking experience for our valued custom
First National Bank Albany/Breckenridge has a long, storied history stretching back over 135 years. The bank was first organized in 1883 as The First National Bank of Albany. It was a country bank founded because of the need to have access to local banking. The bank evolved as the local area gradually developed from frontier to settlement.
At First Community Bank, we define success as working together, because we know that when we do, we’re more effective getting things done for our customers. We also know that the best way to build a thriving community is to become invested in everyone’s success. We believe in the power of education and feel compelled to develop community education.
Country Home Loans, Inc you will find caring, highly trained mortgage professionals who dedicate themselves to insuring your home financing experience is both tailored to fit your individual needs and benefit you. We have several offices that service our clients throughout the Great State of Oklahoma.
First State Bank of Golva, Beach, Medora celebrates 100 years of community service. The First State Bank of Golva, Beach, and Medora have a commitment to the community, sharing a common past continuously since 1914. First State Bank offers full, friendly service for all your banking needs at competitive rates by local people who care.
