USDA VS FHA in Twin-Lakes, Santa Cruz County, CA

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

Use Lendersa® USDA loan calculator to compare today’s USDA versus FHA best rates and figure out the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting in choosing the best program for your financial needs in Alabama.

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2025 Loan Limits and Downpayment Requirements in Twin-Lakes, Santa Cruz, CA

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in Twin-Lakes, CA

Lendersa® aims to secure you the best USDA or FHA loan quickly and effortlessly. Choose one of three options to connect with matching lenders and discover USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan, commonly referred to as a USDA rural development loan or mortgage, is assured by the Department of Agriculture and is available only in rural areas. Unlike FHA loans needing a 3.5% down payment, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



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