In 2026, the USDA loan limit for a single-family home in Scotts-Valley, nestled in Santa Cruz, CA, is $657,900. The FHA limit is $822,375.
Utilize the Lendersa® USDA loan calculator to compare today’s top rates between USDA and FHA loans. Understand the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you assess USDA, FHA, Conforming, and VA loans side by side, aiding your decision for the best program suited to your financial scenario in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The aim of Lendersa® is to quickly and seamlessly secure the best USDA or FHA loan for you. Choose from three starting points that connect you with matching lenders and USDA loan programs.
The USDA home loan is guaranteed by the U.S. Department of Agriculture; it's also known as a USDA rural development loan or USDA mortgage, tailored solely for rural areas. Unlike FHA loans demanding a minimum down payment of 3.5%, the USDA mortgage requires no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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