USDA Vs. FHA Pro and Con comparison in Santa-Cruz, Santa Cruz County, CA
In 2025, the USDA loan ceiling in Santa-Cruz, situated in the county of Santa Cruz, CA, is set at $657,900. Meanwhile, for a single-family dwelling, the FHA loan maximum is $822,375.
Employ the Lendersa® USDA loan calculator to gauge today's optimal USDA versus FHA rates. This tool helps identify the necessary income levels, credit scores, reserves, and documentation required for eligibility. Our comprehensive mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, making it easier to determine which scheme in suits your financial needs best.
2025 loan thresholds and down payment criteria in Santa-Cruz, county of Santa Cruz, CA
Type of Loan
Maximum Loan Amount
Minimum Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Options for USDA and FHA loans in Santa-Cruz, CA
The objective of Lendersa® is to efficiently secure the ideal USDA or FHA loan for you without complications. Choose among the three initial options provided to connect with lenders and USDA loan programs that align with your needs.
A USDA home loan, promised by the government's Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is exclusively available in rural community areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, the USDA loan requires no down payment at all.
Service 1 Federal Credit Union is a member-owned, not-for-profit financial cooperative whose purpose is to promote members' financial well-being and create a positive change in the communities we serve. All profits earned are returned to our members in the form of less fees and better rates. Credit Union is a member-owned
My Mortgage Quest, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates.
At 1st Choice Services, Inc, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it! We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.
At 1st Midwest Mortgage Corp., 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
Our mission at Hendricks County Bank and Trust is to promote economic prosperity-- improving the quality of life in the community we serve. We will do this by providing quality banking services in a professional manner with employees who are empowered to recognize and respond to the needs of our customers.
Our mortgage experts treat you with the respect due a valued customer and give you the personal service you deserve. We understand the big commitment you are making in purchasing a house, refinancing, or cashing out your equity. So here is our promise to you: we can help you qualify, apply and be approved for the best mortgage loan for you.
Gallery Mortgage is here to provide you with more information, answer any questions you may have and create an effective solution for your needs. If you need assistance or simply have questions before you apply please click the contact us button and also .We help you build a foundation with the right tools & services.
Filer Credit Union first opened its doors in 1951 in an office at the American Box Board Company (currently PCA). The credit union has long since moved out of the plant, but we will never forget our roots or the men and women who first introduced the credit union movement to our area. Interestingly enough
258 Village Square, Suite 200, Pleasant View, TN, 37146
AJM Mortgage Solutions offers Conventional, FHA, VA, USDA, JUMBO, High-Balance & Non-QM Mortgage Products to meet your individual needs. Working with a variety of the leading lenders in the industry allows us to provide the lowest rates available in the market. Give us a call today and get a FREE rate One quick call can get you pre-qualified
Tennessee Trust Mortgage, Inc. was established as a Mortgage Lender in January of 1996, by the owner Monty Moore in Nashville, TN. We are a local Mortgage Lender that prides itself with being able to get the job done fast and efficiently, but still accurately. We offer all long term low interest rate loans for our customers
