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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $626,500 | 0% |
| FHA | $805,000 | 3.5% |
| Conventional Conforming | $805,000 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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