USDA VS FHA in Santa-Maria, Santa Barbara County, CA
For 2026, 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 .
2026 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.
FNB Bank, formerly the First National Bank of Romney, opened for business on June 11, 1910 in the old Wirgman Building in Romney with an original capitalization of $50,000.
In 1911 FNB Bank moved to a three-story brick building at the corner of Main and High Streets. The Bank outgrew its facilities
The Bank of Romney is a locally owned and operated independent community bank with full-service financial products. We have been serving the families and businesses of Hampshire County and the surrounding area since 1888. Opening for business on December 20, 1888, The Bank of Romney is the oldest and largest bank in Hampshire County.
Our main goal is to provide for the financial well-being of our members. Founded in 1954 by John J. Bruce, Romney FCU offered savings & loans to the members. Now, our membership has grown to over 1, 100 member-owners. It is owned and operated by its members. Our management and staff work under the guidance of the member-elected Board of Directors.
Frontier Community Bank and its affiliates are committed to safeguarding the personal information that you provide us. This notice describes our privacy policy and how we handle and protect personal information we collect about individuals, such as you, who apply for or obtain our products and services.
29 Stoneridge Drive, Suite 207, Waynesboro, VA, 22980
Monticello Reverse Mortgage is a local Virginia company. We specialize only in Reverse Mortgages so you can be assured of our expertise and knowledge. Because we are based here in Central Virginia, we work with you personally from start to finish of the entire Reverse Mortgage process.
"Klaren Capital uses a methodical process to determine your tolerance for risk and to establish and understand your goals. We tailor an investment approach to you and your individual needs and periodically reevaluate that approach for relevancy.
Our goal is to build life-long relationships through careful analysis."
DCCU is a member-owned, not-for-profit, full service financial cooperative committed to providing affordable financial solutions to its member owners. Founded in 1959, DCCU currently serves more than 100, 000 members and has over $1.5 Billion in assets.headquartered in Waynesboro, operates 13 branches in the Central Shenandoah Valley region.
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You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.
We are a full service lender servings the entire state of Florida. We have many different loan programs designed to find anyone's needs. Please feel free to contact us day or night and let us help you get into your next or first home. We are licensed to write mortgages anywhere in the state of Florida with our office located in beautiful Nokomis
Lend US, treat each customer as an individual, not a number. We are a husband and wife team that strive to give each loan a hands-on personable approach. 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.
Hamlin Bank and Trust Company is a state chartered commercial bank and offers a variety of financial and trust services. Established in 1863, Hamlin Bank and Trust Company was the first bank to service the communities of McKean County in Northwestern Pennsylvania. Hamlin Bank and Trust Company is located in Bradford, PA, United States.
