USDA Loan Vs. FHA loan pro & con Scotts-Valley, Santa Cruz County, CA

In 2025, USDA loan limit in Scotts-Valley, county of Santa Cruz, CA is $657,900 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Scotts-Valley, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(855) 855-3268 Lender's profile and map Reviews Farmers Bank & Trust 1129 E Main St, Magnolia, AR, 71753 Farmers Bank & Trust was chartered on September 26, 1906, and has been in operation since its inception. Farmers Bank is an independent community Bank and operates out of a one-Bank holding company, Magnolia Banking Corporation. The Bank operates a subsidiary called Magnolia Properties, Inc
(319) 395-7060 Lender's profile and map Reviews Quaker Oats Credit Union 3535 Center Point Road NE, Cedar Rapids, IA, 52402 Quaker Oats Credit Union is a full-service financial institution for the employees, retirees, and family members of the Quaker Oats Company, Tree House Foods, PMX Industries, Circle Computer Resources, CCB Packaging, and Trapeze Group. Quaker Oats Credit Union is a member-owned financial institution dedicated to serving its members.
(319) 294-2444 Lender's profile and map Reviews Hills Bank 3905 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 Hills Bank has grown to become one of Iowa's largest independent banks. We have achieved this growth the old fashioned way — by earning our customers' respect, one at a time. Hills Bank was founded on the principle that banks should care about the people they serve and provide ways to help them prosper.
(319) 892-7300 Lender's profile and map Reviews Linn Area Credit Union 3015 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 Linn Area Credit Union is a not-for-profit, full-service financial organization with branches in Cedar Rapids and Marion, Iowa. We are very much a local organization our employees are your neighbors & our kids go to the same school. We Are Family” is not just a tagline, it’s how we operate. We don’t call you “customers, ” we call you “members.
(319) 378-0500 Lender's profile and map Reviews Chec King Payday Advance 600 Blairs Ferry Road, Suite D, Cedar Rapids, IA, 52402 Chec King Payday Advance has been providing you with easy payday loans since 2005. We're a locally owned and operated business. If you need immediate cash for any unforeseen emergency situation, contact the people-friendly professionals at Chec King Payday Advance. You can open an account immediately, and we'll process your loan promptly.
(319) 899-3820 Lender's profile and map Reviews Hall Lending Group 1918 St Andrews Ct NE, Cedar Rapids, IA, 52402 Hall Lending Group was created by Hope Hall with one mission in mind: to provide customers with the best home loan experience possible. For nearly two decades, we have been helping families meet their goals of home ownership with the best interest rates and loan programs available.
(319) 361-2074 Lender's profile and map Reviews Iowa Mortgage Solutions 4403 1st Ave SE, Suite 110, Cedar Rapids, IA, 52402 The IMS Home buyer Grant Program is a mortgage credit program that can help paying a down payment or other initial costs of buying a home. This money can be can be used for closing costs, setting up escrow accounts, or making a down payment. This is an extremely valuable program for somebody with steady
(319) 363-8827 Lender's profile and map Reviews Contract Exchange Corporation 425 2nd Street SE, Suite 370, Cedar Rapids, IA, 52401 Contract Exchange Corporation was founded in April of 1981. At the time, interest rates were near their all-time highs as the Federal Reserve “wrung” inflation out of the economy. With 30 year mortgage rates around 17%, many Sellers turned to that age old instrument, the Land Installment Contract as a means to sell their properties.
(409) 384-3486 Lender's profile and map Reviews First National Bank of Jasper 301 East Houston Street, Jasper, TX, 75951 First National Bank of Jasper is located in Jasper, TX, United States and is part of the Depository Credit Intermediation Industry. First National Bank of Jasper has 57 total employees across all of its locations and generates $8.38 million in sales (USD). For over 50 years, First National Bank has provided trustworthy, friendly service.
(218) 666-5940 Lender's profile and map Reviews North Star Credit Union 24 South River Street, Cook, MN, 55723 North Star Credit Union opened in 1939 as Northern Farmer’s Co-op Credit Union, sponsored by the Northern Farmer’s Co-op Society. The Credit Union was based out of the Co-op Store until it burned down in October 1994. After operating out of the BIC building for some time, the Credit Union was able to relocate in January 1996 to Main Street.
(218) 879-4181 Lender's profile and map Reviews Northwoods Credit Union 1702 Avenue B, Cloquet, MN, 55720 Northwoods Credit Union has 2 offices in Cloquet, one in Floodwood and one in Moose Lake. We started out as Northwest Paper Company Employees Credit Union back in 1936 & we have grown to serve all those who live, work, worship, attend school, or volunteer in Carlton, Pine, or St Louis County! We offer big bank products with local, hometown service.