USDA Loan Vs. FHA loan for Scotts-Valley, CA 2026

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 .

USDA and FHA Loan Options in Scotts-Valley, CA

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.

Lendersa USDA loan request and matching results

About USDA Loans in CA

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.

Get top 10
USDA LENDERS
customized to yout needes

Scotts-Valley Lenders
(831) 291-9700 Lender's profile and map Affordable Home Finance 5521 Scotts Valley Drive, Suite 240, Scotts Valley, CA, 95066 Lends in California Affordable Home Finance is the California's First Choice for Mortgage Loans - As a Mortgage Broker we shop the Nations Top Lenders For You! We are committed to providing our clients with the best mortgage experience possible. As a cloud-based company, and a low-price market leader, we are uniquely equipped for the new normal we now face.
(831) 462-4805 Lender's profile and map The Home Loan Center 740 Paradiso Court, Soquel, CA, 95073 Lends in California "I'm here to solve that for you. Go ahead and download my cheat sheet and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy. When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation"
(831) 465-9499 Lender's profile and map Monterey Bay Resources, Inc. 4601 West Walnut Street, Soquel, CA, 95073 Lends in California Monterey Bay Resources, Inc. is a Santa Cruz based real estate company that provides niche lending solutions for property owners and prospective buyers seeking access to private funds quickly and at competitive rates.We can provide financing for both investment property and owner-occupied properties, upon qualification.
(831) 479-6000 Lender's profile and map Bay Federal Credit Union. 3333 Clares St, Capitola, CA, 95010 Lends in California Bay Federal Credit Union was started in 1957 when local school teachers pooled their money together to start a credit union. That investment has grown through an amazing journey of involvement into the area’s largest locally-owned financial institution, with over $1.5 billion in assets.
(831) 818-0299 Lender's profile and map Financial Solutions Home Loans Inc 830 Bay Ave, Suite G, Capitola, CA, 95010 Lends in California Jeri Skipper is your premier mortgage loan officer located in Soquel, California. Jeri offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Soquel area. Whether you are first time home buyer, purchasing your dream home,
(831) 462-2496 Lender's profile and map Karma Mortgage Solutions, Inc. 830 Bay Avenue, Suite A, Capitola, CA, 95010 Lends in California "At Karma Mortgage Solutions, Inc. Our company provides a wide variety of loans. From the most popular ones like FHA, VA, Conventional, USDA, to commercial loans, bridge loans, construction loans, Manufacture homes, and more. FHA, VA, Conventional, USDA, to commerc Equal Housing Lender (Brokerage)."
(831) 425-7708 Lender's profile and map Santa Cruz Community Credit Union 324 Front Street, Santa Cruz, CA, 95060 Lends in California The Santa Cruz Community Credit Union pursues a vision of vital local communities whose members contribute individually and collectively to a just society. In our vision, all people have full access to economic opportunity, and have the resources to make effective financial decisions for themselves, their families, and their communities.
(831) 426-9880 Lender's profile and map Tedrowe Realty & Investments 125 Jewell Street, Santa Cruz, CA, 95060 Lends in California "Lea Tedrowe started working in real estate investments in 1983 before founding Tedrowe Realty & Investments in 1988. Lea was born and raised in Santa Cruz and has an extensive knowledge of the real estate market on the Central Coast. Contact us today for more information about private money loans, construction loans, bridge loans."
(831) 661-5214 Lender's profile and map Mortgage Results 8070 Soquel Drive, Suite 1B, Aptos, CA, 95003 Lends in California Mortgage Results Mortgage Results is a top independent mortgage brokerage firm based in Aptos, California.As the company’s principal and founder, I like to think our success is due to one simple idea: you matter. Your values. Your family. Your dreams for the future. Whether you are considering a new home.
(408) 395-2000 Lender's profile and map Direct Mortgage Funding 236 N. Santa Cruz Ave, Suite 103, Los Gatos, CA, 95030 Lends in California Direct Mortgage Funding know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.Today's technology is providing a more productive environment to work in. For example, through our website.