USDA and FHA Pro and Con in Vandenberg-Village, Santa Barbara County, CA
In 2025, the USDA loan limit for Vandenberg-Village, county of Santa Barbara, CA is $528,000, whereas the FHA limit for a single-family home is $660,100.
Take advantage of Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates and identify the requirements for income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows side-by-side comparisons of USDA, FHA, Conforming, and VA loans to help determine which program in best fits your financial situation.
2025 Loan Limits and Down Payment Requirements in Vandenberg-Village, Santa Barbara, CA
Loan Type
Loan Limit
Down Payment
USDA
$528,000
0%
FHA
$660,100
3.5%
Conventional Conforming
$660,100
3%
USDA and FHA Loan Options in Vandenberg-Village, CA
Lendersa® aims to secure you the best USDA or FHA loan quickly and without hassle. Choose from three starting options to connect with matching lenders and explore USDA loan programs.
A USDA home loan, often referred to as a USDA rural development loan, is backed by the Department of Agriculture and is only available in rural neighborhoods. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans require no down payment.
NewDeck Capital specializes in real estate listing & sales, mortgage financing, and everything in between. We strive to provide our clients with the highest quality of service and have built our business on a platform of long term relationships. We’ve been able to apply our combined 60+ years experience in assisting our clients.
6120 Paseo Del Norte, Suite A-2, Carlsbad, CA, 92011
My Preferred Lender The goal of My Preferred Lender (MPL) is to establish a valued relationship between ourselves and our clients. The MPL Team consists of only the most qualified and experienced loan advisors strictly licensed by the California Bureau of Real Estate (CalBRE) and the Nationwide Mortgage.
2035 Corte Del Nogal, Suite 125, Carlsbad, CA, 92011
REeBroker Group is the original and the largest of virtual brokers in California, having handled 31, 580 real estate transactions for a total sales volume of more than $10 billion since its inception in 2005. The Carlsbad-based brokerage currently partners with more than 2, 600 real estate agents throughout the state providing.
701 Palomar Airport Road, Suite 300, Carlsbad, CA, 92011
We directly fund between $9-$10 billion a year in home loans. This means we process, underwrite & wire the funds. If we do not have a loan option for our client “in-house, ” we will process the loan and submit it to an investor for underwriting and funding. Having both these funding sources allow us to provide the best loan options for our clients.
701 Palomar Airport Road, Suite 300, Carlsbad, CA, 92011
We are a full service mortgage lending company with an experienced staff offering expertise in every area of mortgage lending, from purchase to refinance to home improvement to debt consolidation to construction lending. With access to over 100 full range mortgage sources, our lending specialists are dedicated to finding you the right loan.
2121 Palomar Airport Road, Suite 204, Carlsbad, CA, 92011
At Bluefire Mortgage Group, we understand the apprehension you may feel when buying a home and looking for financing. We do our very best to help you overcome your apprehension and understand all aspects of your mortgage and how it works. We are committed to responsible lending and pride ourselves on delivering exactly what we promise.
703 PALOMAR AIRPORT ROAD SUITE 225, Carlsbad, CA, 92011
La Costa Loans’ private money provides short term financings ranging from $50,000 to $1,500,000 when traditional capital sources are unavailable, too slow or too costly. These private money loan transactions are often less costly than equity partnerships, more flexible in underwriting the collateral and borrower than institutional debt.
152 N. San Tomas Aquino Rd, Suite 1A, Campbell, CA, 95008
At Bay Area Title Loans you can borrow money against your car title to secure a loan. There are 3 simple and easy sets to getting cash today. The best part is that you keep your car while you get the cash you need. With our affordable Car Title Loans, you decide how much money to borrow and we’ll set up a payment plan to fit your budget.
