USDA Vs. FHA your options comparison in Santa-Rosa-Valley, Ventura County, CA
In 2026, the USDA loan limit in Santa-Rosa-Valley, situated in Ventura county, CA, is $591,500. On the other hand, the FHA limit for a single-family residence is $739,450.
Utilize the Lendersa® USDA loan calculator to assess the top rates between USDA and FHA today, identifying the income, credit rating, reserves, and necessary documents needed for qualification. Our sophisticated mortgage calculator allows you to view USDA, FHA, Conforming, and VA options concurrently, providing the comparisons needed to decide which program in suits your financial situation best.
2026 Loan Limits and Down Payment Requirements in Santa-Rosa-Valley, Ventura, CA
Loan Type
Loan Ceiling
Minimum Down Payment
USDA
$591,500
0%
FHA
$739,450
3.5%
Conventional Conforming
$739,450
3%
Examining USDA and FHA Loan Opportunities in Santa-Rosa-Valley, CA
Lendersa® aims to grant you the best possible USDA or FHA loan efficiently, avoiding unnecessary hassle. Begin with one of three starting options that align with lenders and USDA loan offerings.
A USDA home loan, backed by the Department of Agriculture, also termed as a USDA rural development loan or USDA mortgage, is designed specifically for rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans come with no down payment requirement at all.
At NWF, We have the most powerful mortgage rate search engine to help you find the best loan product. We are partners with more than 20 top mortgage lenders and investors nationwide. Funded more than $200 Million loans in 2021. Helped hundreds of homeowners lowered their monthly mortgage payment.
Converse County Bank is able to offer the leading-edge financial products and services of today’s very busy world, we’re still local. Still providing safe harbor. Still committed to fulfilling the dreams of those we serve. We’re here when you need us, with our extended customer service hours.
Cascara Capital provides business-purpose bridge loans, hard money loans, and investment loans only and does not provide funding for primary and secondary residences. We offer short term loans to investors looking to acquire distressed residential real estate and often do not require appraisals or inspections.
6620 Lake Washington Blvd NE, Suite 302, Kirkland, WA, 98033
In business since 2006 and armed with many decades of experience, we provide our clients expert guidance to secure the best mortgage, at the best terms, and with the right lender for your specific financial profile. We listen, ask the right questions to get a complete picture, and then show you what your best options are and why.
135 Lake Street South, Suite 230, Kirkland, WA, 98033
At Home Trust Financial (NMLS # 1761573), where we specialize in residential mortgages. At Home Trust Financial, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide our clients with amazing low rates and great loan programs. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan. We've been helping customers afford the home of their dreams for many years.
4315 Lake Washington Blvd, Suite 3004, Kirkland, WA, 98033
The University Mortgage Funding Corp. Team is committed to providing clients with the highest quality home loans combined with some of the most competitive mortgage rates available in all of Washington. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan.
BellWeather Lending inc is full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with great rates.
