USDA Vs. FHA your options comparison in Seacliff, Santa Cruz County, CA
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 best suits your individual financial needs.
2026 Loan Limits and Downpayment Requirements in Seacliff, Santa Cruz, CA
Loan Type
Loan Limit
Down Payment
USDA
$626,500
0%
FHA
$805,000
3.5%
Conventional Conforming
$805,000
3%
USDA and FHA Loan Opportunities in Seacliff, CA
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.
1475 S. Bascom Ave, Suite 212, Campbell, CA, 95008
Shawn Belknap founded ‘My Home Loan San Jose’ which is a full service licensed San Jose based mortgage company. As a San Jose Mortgage Broker, Shawn specializes in providing San Jose and surrounding cities mortgage refinancing, home purchases, and debt consolidation home loans including, FHA home loans, and much more.
InterBanc Real Estate Services is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you
3131 South Bascom Avenue, Suite 210, Campbell, CA, 95008
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Mark Hicks have been in this business for a while now and helping you make the best possible decisions is my number one priority. Accomplished Real Estate and Mortgage Broker skilled at evaluating and marketing commercial and residential investment properties through large scale open houses, comparable property analysis and short sale.
1475 South Bascom Avenue, Suite 211, Campbell, CA, 95008
North First Mortgage Smooth Process. Personalized Service. Independent Broker. Offering California homeowners & buyers a complete mortgage experience, balancing technology to save you time & prompt, personalized service to answer your questions & provide straightforward advice. Our mission is simple: to make you happy.
116 East Campbell Avenue, Suite 5, Campbell, CA, 95008
CTM Pros team has always been dedicated to providing tailor-made mortgages for first-time home Buyers, move-up Buyers and investors, whether it is a purchase loan or refinance. Providing clients with mortgage services that meet the needs of both Buyer and Seller in a competitive market has given us a valuable edge over our competitors.
1875 South Bascom Avenue, Suite 2550, Campbell, CA, 95008
Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
1901 South Bascom Avenue, Suite 1410, Campbell, CA, 95008
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide loans to our clients while providing them with the great service. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.We know you have a lot of options when it comes to yourmortgage financing.
1999 South Bascom Avenue, Suite 700, Campbell, CA, 95008
BeneGroup, Inc. provides Residential and Commercial Real Estate consulting and financing services to a broad range of national and international clientele. In the current lending market, with its dynamic and ever changing guidelines, you need a firm that is well versed with the current lending rules and legislative regulations to assist you.
51 E Campbell Avenue, Suite 110, Campbell, CA, 95008
"Bayview Residential provides home lending and real estate services as one of the largest independent mortgage and real estate brokerages in California and recently ranked as the number 10 mortgage brokerage in the US.
Established in 2004, Bayview works with over 150 agents, 90 of whom are endorsed as Mortgage Loan Officers."
Diversified Loan Services, Inc. (DLS) is committed to providing sound and secure trust deed investment opportunities for private individuals looking for higher rates of return on their investment. We value personal relationships and integrity in meeting our client’s investment needs.
2542 South Bascom Avenue, Ste. 130, Campbell, CA, 95008
Kal Financial offers many great resources on our website please make sure you get the following free resources such as how does the loan process work with Kal Financial? We have a Free Campbell California Mortgage Calculators or fill out a 100% FREE, No-Obligation, Secure Online Loan Application or give us a call at the office no.
