USDA Vs. FHA your options 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.
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A Northwest original since 1940, we’re one of Washington State’s largest credit unions, driven by the purpose of standing with members, employees and the community through all waves of life. Sound provides authentic and trusted financial support and services with full-service branches around the Puget Sound. credit unions,
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Growth is vital to remaining a preferred option for customers. It advances the services and expertise we provide on their behalf
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