In the year 2025, the USDA loan limit for Pleasure-Point, located in Santa Cruz county, CA, is set at $657,900. Meanwhile, the FHA limit for a single-family residence reaches $822,375.
Utilize the Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates. You can determine necessary income, credit, reserves, and documents for qualification. With our sophisticated mortgage calculator, examine USDA, FHA, Conforming, and VA options side by side, aiding in deciding which program fits your financial scenario in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
Lendersa® aims to secure the best USDA or FHA loans quickly and hassle-free. Choose from three starting points, leading you to match with lenders for USDA programs.
A USDA home loan, also known as a USDA rural development loan, is backed by the U.S. Department of Agriculture. It’s available solely in rural areas and doesn’t require a down payment, unlike FHA loans that require a minimum of 3.5% down.
Enter your location to find out if it qualifies for USDA rural housing loan?
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