In the year 2025, the USDA loan ceiling in Santa-Ynez, situated within the county of Santa Barbara, CA is $528,000. Meanwhile, the FHA limit for a single-family home is designated at $660,100.
Utilize the Lendersa® USDA loan calculator to effectively compare the current USDA and FHA top rates, ensuring you understand the income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, assisting in selecting the ideal program for your unique financial context in Alabama.
Explore competitive loan offers from 100 lenders to find the best match for your needs.
| Loan Category | Maximum Amount | Initial Down Payment |
| USDA | $528,000 | 0% |
| FHA | $660,100 | 3.5% |
| Conventional Conforming | $660,100 | 3% |
Lendersa® aims to facilitate securing the best USDA or FHA loan quickly and without stress. You can start by selecting one of three pathways to connect you with lenders providing USDA loan programs.
A USDA home loan is backed by the Department of Agriculture, otherwise known as a USDA rural development loan or USDA mortgage. This loan is only offered in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA loan requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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