USDA and FHA Pro and Con in Rio-del-Mar, Santa Cruz County, CA

For 2025, the USDA loan limit in Rio-del-Mar, within Santa Cruz, CA, is $657,900. Conversely, the FHA limit for a single-family home is set at $822,375.

Utilize the Lendersa® USDA loan calculator to assess the best USDA versus FHA rates available today. Determine the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator allows you to examine USDA, FHA, Conforming, and VA options side by side, aiding you in deciding which program in suits your financial conditions best.

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2025 Loan Limits and Downpayment Requirements in Rio-del-Mar, Santa Cruz, CA

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in Rio-del-Mar, CA

The aim at Lendersa® is to promptly secure you the best USDA or FHA loan without hassle. Choose one of three initial paths to connect with matching lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

The USDA home loan is a government-backed loan by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage, and is available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Bay Area Title Loans
  • 152 N. San Tomas Aquino Rd, Suite 1A, Campbell, CA, 95008
  • At Bay Area Title Loans you can borrow money against your car title to secure a loan. There are 3 simple and easy sets to getting cash today. The best part is that you keep your car while you get the cash you need. With our affordable Car Title Loans, you decide how much money to borrow and we’ll set up a payment plan to fit your budget.
  • Codex Lending
  • 900 E Hamilton Ave, Suite 100-265, Campbell, CA, 95008
  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs
  • Cardan Mortgage
  • 125 East Campbell Ave, Campbell, CA, 95008
  • At Cardan Mortgage Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
  • Mosaic Mortgage Group
  • 2315 S Bascom Ave, Suite 300A, Campbell, CA, 95008
  • We provide World-Class service and mortgage planning know-how for you and your family, for life. When it comes to mortgage financing, one size does not fit all. In fact, there are far too many rules and guidelines involved so that for us, the only way to find you the best loan is to start at the beginning.
  • Loans by Irene
  • 116 E. Campbell Avenue, Suite 5, Campbell, CA, 95008
  • Irene helps California homeowners strategically finance their real estate goals. She assists first time homebuyers in understanding and experiencing a smooth and detail-oriented home purchase process and she helps current homeowners analyze the cost/benefit of refinancing. In addition, she has a constant and steady grasp on interest rate trends
  • Omni Mortgage Co Inc
  • 55 Civic Center Dr, Campbell, CA, 95008
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  • My Home Loan San Jose
  • 1475 S. Bascom Ave, Suite 212, Campbell, CA, 95008
  • Shawn Belknap founded ‘My Home Loan San Jose’ which is a full service licensed San Jose based mortgage company. As a San Jose Mortgage Broker, Shawn specializes in providing San Jose and surrounding cities mortgage refinancing, home purchases, and debt consolidation home loans including, FHA home loans, and much more.
  • InterBanc Real Estate Services
  • 1999 South Bascom Avenue, Campbell, CA, 95008
  • InterBanc Real Estate Services 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
  • EMW Mortgage Co.
  • 3131 South Bascom Avenue, Suite 210, Campbell, CA, 95008
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  • Seabrooke Development Corporation
  • 900 East Hamilton Avenue, Campbell, CA, 95008
  • Mark Hicks have been in this business for a while now and helping you make the best possible decisions is my number one priority. Accomplished Real Estate and Mortgage Broker skilled at evaluating and marketing commercial and residential investment properties through large scale open houses, comparable property analysis and short sale.
  • North First Mortgage
  • 1475 South Bascom Avenue, Suite 211, Campbell, CA, 95008
  • North First Mortgage Smooth Process. Personalized Service. Independent Broker. Offering California homeowners & buyers a complete mortgage experience, balancing technology to save you time & prompt, personalized service to answer your questions & provide straightforward advice. Our mission is simple: to make you happy.
  • Community Trust Mortgage
  • 116 East Campbell Avenue, Suite 5, Campbell, CA, 95008
  • CTM Pros team has always been dedicated to providing tailor-made mortgages for first-time home Buyers, move-up Buyers and investors, whether it is a purchase loan or refinance. Providing clients with mortgage services that meet the needs of both Buyer and Seller in a competitive market has given us a valuable edge over our competitors.