For the year 2026, the USDA loan cap in Seacliff, found within Santa Cruz, CA, is $626,500. By comparison, the limit for an FHA loan on a single-family home is $805,000.
Take advantage of the Lendersa® USDA loan calculator to contrast current USDA and FHA rates and determine the income, credit score, reserves, and documentation needed to qualify. With our advanced mortgage calculator, you'll be able to view USDA, FHA, Conforming, and VA loans side by side, helping you assess which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $626,500 | 0% |
| FHA | $805,000 | 3.5% |
| Conventional Conforming | $805,000 | 3% |
The goal of Lendersa® is to connect you swiftly with the best USDA or FHA loans without unnecessary hassle. Choose from one of three starting pathways that match you with suitable lenders and USDA loan programs.
A USDA home loan is a government-backed loan sponsored by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available exclusively in rural areas. This differs from FHA loans, which require at least a 3.5% down payment, as the USDA mortgage needs no down payment—providing a zero-down-payment alternative for eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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