USDA and FHA Pro and Con in Santa-Maria, Santa Barbara County, CA
For 2025, in Santa-Maria, county of Santa Barbara, located in CA, the USDA loan maximum is $528,000, compared to the FHA limit which is $660,100 for single-family homes.
Employ the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA interest rates. This tool helps ascertain the necessary income, credit, reserves, and documentation for eligibility. Our sophisticated mortgage calculator allows you to review USDA, FHA, Conforming, and VA options side by side, facilitating your decision on which program is ideal for your financial scenario in .
2025 Loan Ceilings and Initial Payment Requirements in Santa-Maria, Santa Barbara County, CA
Type of Loan
Maximum Loan
Initial Deposit
USDA
$528,000
0%
FHA
$660,100
3.5%
Conventional & Conforming
$660,100
3%
Explore USDA and FHA Loan Choices in Santa-Maria, CA
Lendersa® is dedicated to achieving the best USDA or FHA loan for you swiftly and with minimal hassle. Select from three initial paths that align you with suitable lenders and USDA loan plans.
USDA home loans, endorsed by the government under the Department of Agriculture, also referred to as USDA rural development loans or mortgages, are viable only in rural locales. Unlike FHA loans, which necessitate at least a 3.5% down payment, USDA mortgage loans require no down payment.
Porter Federal Credit Union serves the employees of Centura Health – we are located on the campus of Porter Adventist Hospital in Denver. Our office is located in the Harvard Park West medical building behind Porter Adventist Hospital at: 850 E Harvard Ave G-45, Denver, CO 80210.
We are committed to providing customized mortgage products and services that are tailored to meet your individual needs. Our loan experts are committed to guiding you to the right loan to help you reach your financial goals with integrity and professionalism.
Move Up Mortgage NMLS #2016625. All Rights Reserved
1777 South Harrison Street, Suite 903, Denver, CO, 80210
Our goal is simple To help every family we serve get to “Yes.” Yes to the loan that unlocks the joy of home ownership. Yes to the lending solutions that meet every client’s unique needs and wants. That’s why we dedicate our every resource to serve as your personal guide through the lending process, solving problems, building confidence.
NEXHome Lending Offers a wide array of programs and options to meet your Home Financing needs. With over 30 years of experience in all facets of Residential Home Lending you can be assured of great advice and service Jim Van Buskirk is President of the NEXHome Lending A Mortgage Company
We are a Colorado mortgage company approved in multiple states to originate home loan programs like mortgage refinancing, home purchase and home equity mortgages. We recognize the importance of a long term relationship and to help foster such a relationship, we provide our customers with a “Low Rate Guarantee.
3801 East Florida Avenue, Suite 630, Denver, CO, 80210
We are a full service residential first mortgage lender offering solutions custom tailored to the individual needs of a borrower. We pride ourselves on personal service and we are ready to create your custom mortgage solution today. We are experienced in dealing with the borrower and realtor through every step of the process to ensure
We opened the doors of Canyon River Mortgage in November 2006. Experiencing a lack of integrity in the real-estate lending business prompted me to create a company that prides itself on honest and ethical work. Our goal is to close your loan on time and with no surprises. By keeping on top of deadlines and communicating with all parties
Westminster FCU was founded in 1960 by 12 Westminster Volunteer Fireman. The 'office' was a drawer in the secretary's desk of the city manager. WFCU has had several offices and has resided at its current location since 2001. The credit union is now a full service financial institution, offering everything from checking to mortgages.
COHomeGrant.com, our mission is to set a high standard in the industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the process, so that you can confidently select the best situation for you and your family from the many options that are available today.
8700 Turnpike Drive, Suite 303, Westminster, CO, 80031
Move Mortgage was created to provide customers with a fast, reliable, and dependable home loan process. We specialize in first time home buyers, down payment assistance and all conventional loan products. Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly
"We are a Colorado locally owned & operated Company.
We have several banks and investors that we work with to give you the most comprehensive portfolio of products. We are committed to providing clients with the highest level of service combined with some of the lowest rates. With our highly experienced team of mortgage professionals"
