USDA Vs. FHA your options comparison in Santa-Cruz, Santa Cruz County, CA
In 2026, 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.
2026 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.
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Monterey Bay Resources, Inc. is a Santa Cruz based real estate company that provides niche lending solutions for property owners and prospective buyers seeking access to private funds quickly and at competitive rates.We can provide financing for both investment property and owner-occupied properties, upon qualification.
5521 Scotts Valley Drive, Suite 240, Scotts Valley, CA, 95066
Lends in California
Affordable Home Finance is the California's First Choice for Mortgage Loans - As a Mortgage Broker we shop the Nations Top Lenders For You! We are committed to providing our clients with the best mortgage experience possible. As a cloud-based company, and a low-price market leader, we are uniquely equipped for the new normal we now face.
Bay Federal Credit Union was started in 1957 when local school teachers pooled their money together to start a credit union. That investment has grown through an amazing journey of involvement into the area’s largest locally-owned financial institution, with over $1.5 billion in assets.
Jeri Skipper is your premier mortgage loan officer located in Soquel, California. Jeri offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Soquel area. Whether you are first time home buyer, purchasing your dream home,
"At Karma Mortgage Solutions, Inc. Our company provides a wide variety of loans. From the most popular ones like FHA, VA, Conventional, USDA, to commercial loans, bridge loans, construction loans, Manufacture homes, and more. FHA, VA, Conventional, USDA, to commerc Equal Housing Lender (Brokerage)."
Mortgage Results Mortgage Results is a top independent mortgage brokerage firm based in Aptos, California.As the company’s principal and founder, I like to think our success is due to one simple idea: you matter. Your values. Your family. Your dreams for the future. Whether you are considering a new home.
The Santa Cruz Community Credit Union pursues a vision of vital local communities whose members contribute individually and collectively to a just society. In our vision, all people have full access to economic opportunity, and have the resources to make effective financial decisions for themselves, their families, and their communities.
"Lea Tedrowe started working in real estate investments in 1983 before founding Tedrowe Realty & Investments in 1988. Lea was born and raised in Santa Cruz and has an extensive knowledge of the real estate market on the Central Coast. Contact us today for more information about private money loans, construction loans, bridge loans."
451 Los Gatos Boulevard, Suite 104, Los Gatos, CA, 95032
Lends in California
"We are a group of experienced, dedicated professionals who are premier providers of mortgage loan financing for home buyers and home loan borrowers based in Silicon Valley, about 45 minutes south of San Francisco, California. We offer the assistance you need to help in all of your mortgage endeavors.
