USDA Vs. FHA Pro and Con comparison in Santa-Barbara, Santa Barbara County, CA
In 2025, USDA loan limit in Santa-Barbara, county of Santa Barbara, CA is $528,000 while FHA limit is $660,100 for a single-family home.
Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.
2025 loan limits and downpayment requirments in Santa-Barbara, county of 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 Santa-Barbara, CA
Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.
USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
Hibbing Co-op Credit Union (HCCU) has been serving the communities of the Iron Range and the neighboring area with a complete array of financial services since 1939. HCCU is a non-profit, member owned cooperative financial institution with membership privileges available to all residents of northern Minnesota.
Fortune opened its first location in Arnold, MO on December 1, 2005 with the goal of bringing a local bank with personality to the northern Jefferson County area. Prior to Fortune’s doors opening, the existing banking options in the region were run by large corporations. Dan sought to offer financial services provided to and by members.
Our mortgage professionals give you the individual service you deserve and treat you right. You are making a commitment in buying a house, refinancing a mortgage, or tapping into your home equity. So in turn, we make a commitment to you: we will help you qualify, apply and be approved for the best mortgage loan for you.
At Ozark Federal Credit Union we provide the large selection of checking, savings, investment & loan account options with low fees.
OFCU is committed to community involvement and encouraging community development. For requests, please complete the Donation Request Form within six weeks of the event.
As a locally owned and managed community bank, we are efficient in responding to customer needs. We listen to each situation and offer appropriate solutions to help our customers meet their financial goals.
We pride ourselves in our commitment to the communities in which we live, work and play and the loyalty of our employees to our organization.
On July 3, 1912, our bank was established under the name State Bank of Fisk. The street on which the bank was originally located was eventually named Third Street. In 1953 the bank was relocated to 300 Second Street. The Second Street building continues to serve as a branch office today.
Bob Sutton Real Estate and Loans, LLC, is a multi-divisional company specializing in financial services, ranging from lawsuit settlement loans to real estate financing. Established in 1951, we are still family owned and operated, which allows us to provide individualized services meeting each customer's particular needs.
The Bank of Tradition and Progress Founded in 1894 as The Bank of Otterville, our Bank has a long-standing tradition of providingMidwest Regional Bank is a Bank with operations in fifty states. Midwest Regional Bank offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA and USDA mortgages
