For the year 2025, 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.
2025 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.
Schmidt Mortgage Company was originally established in 1940 as “Frank A. Schmidt & Son’s” in Cleveland, Ohio, originating and servicing residential and commercial real estate loans. It was incorporated in January, 1959. It is one of the first 100 lenders in the country to become approved as a seller / servicer of Fannie Mae.
At Olde Towne Mortgage We work within the wholesale sector of the mortgage industry with access to hundreds of lenders so we're able to close MORE than just a cookie-cutter loan & at rates lower than retail. we offer Residential or Commercial loans, every borrower is different so we believe in having a mortgage portfolio that is as unique as you.
Ocmulgee Mortgage Company is a locally owned mortgage company in business and designed to help families obtain mortgage loans without having to deal with the headache of large institutions. Ocmulgee Mortgage Company prides itself on competence and quickness of process. We look forward to serving you today!
We have been locally owned and operated since 1964. We are committed to providing our customers with great service. We offer outstanding financial products for our customers such as online banking and mobile banking with mobile capture. We are conveniently located, with locations in Logan, Man, Chapmanville, Harts and the Fountain Place Mall. Our s
The credit union was established on November 30, 1937 as the Hoover Employees Federal Credit Union. Thanks to progressive thinking by the Board of Directors, a community charter was obtained in 1980. This new charter opened the field of membership essentially to everyone living or employed in North Canton, Ohio.
Cardinal is proud to announce their 5-star rating, recently awarded by Bauer Financial. Bauer Financial is a financial rating agency who provides depositor-focused ratings of banks and credit unions in the United States. The Company’s rating scale runs from zero to five, the strongest institutions being granted 5-star ratings.
DN Community Federal Credit Union was founded on June 24, 1954 as Diebold Employees Credit Union. The original field of membership included employees of the Canton and Malvern, Ohio plants of Diebold, Inc. and their immediate families. The credit union was organized with the purpose "to provide a convenient place for employees to save regularly
At Union Capital, home loans are all we do. Since 1995, we have worked to become a trusted lending partner to countless realtors and customers. Realtors depend on us to help their buyers get into the ideal home. Customers we serve return to us again and again – we have gotten to know thousands of them personally over the past 20 years.
In 1960, teachers and administrators at Plain Local Schools wanted an alternative to big, for-profit banks.They got together & opened our credit union on January 16, 1961.There was no online banking, debit cards or even checking accounts.Instead, they operated out of a shoe box. It was a place for some people to save money & others to borrow money.
American First Bancorp, Inc. is the most efficient and honest way to purchase or refinance a home. American First Bancorp, Inc. creates the best solution for borrowers from a huge variety of programs. We operate at the highest level of integrity, deliver on our commitments, which builds a foundation of trust with our customers.
Since 1996, Signature Mortgage is an INC 500 fastest growing company and we have closed over $4 billion in residential loans – that’s over 20, 000 satisfied families! We have a 5 STAR Rating on social media for delivering world class customer service and communication throughout the mortgage process
St. Joseph’s Federal Credit Union was chartered on March 9th, 1942. 1942 marked the beginning of World War II and it was also the beginning of St. Joseph’s Federal Credit Union in January 1942. The nine members of St. Joseph’s Roman Catholic Parish in Canton, Ohio who chartered our credit union with Farm Credit Administration
