USDA and FHA Pro and Con in Vandenberg-AFB, Santa Barbara County, CA
For the year 2025, the maximum USDA loan amount in Vandenberg-AFB, within the boundaries of Santa Barbara, CA, is set at $528,000. Meanwhile, the FHA limit applicable to a single-family home is $660,100.
Take advantage of the Lendersa® USDA loan calculator to compare the best rates available today for USDA versus FHA loans, and identify the needed income, credit standing, reserves, and documents to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, ensuring you can choose the most suitable program for your financial circumstances in .
2025 Loan Limits and Down Payment Requirements in Vandenberg-AFB, Santa Barbara, CA
Loan Type
Loan Limit
Down Payment
USDA
$528,000
0%
FHA
$660,100
3.5%
Conventional Conforming
$660,100
3%
Overview of USDA and FHA Loan Opportunities in Vandenberg-AFB, CA
The principal aim at Lendersa® is to promptly and easily connect you with the most favorable USDA or FHA loans. You have three starting points to match you with lenders and USDA loan options.
A USDA home loan is a mortgage guaranteed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, which is accessible only in rural regions. Unlike FHA loans that necessitate a minimum 3.5% down payment, USDA loans require none.
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HFS has taken the simple concept of “bringing people together” and developed a mortgage & real estate brokerage that focuses on each of our client’s success! We look beyond the standard banking guidelines and find solutions that add value. Using real estate equity as security, we will “match” the borrower with our private money sources (Investors)
TruGrocer Federal Credit Union has been open since 1965. It's the 9th largest credit union in Idaho with assets totaling $347.01 Million and providing banking services to more than 24,000 members.
The credit union is a single common bond credit union, serving a specific company or organization
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