USDA VS FHA 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.
10575 N. 114th St. Suite 103, Scottsdale, AZ, 85259
Primeau Funding has been active in the financial community since 1999 securing capital for individual investors, developers and companies nationwide and internationally. We specialize in hard money and private equity participation for your commercial real estate and energy projects. We offer competitive rates on various loan types such as hard mone
1921 South Alma School Road, Suite 201, Mesa, AZ, 85210
Carpenter Team in AZ is a personal loan officer for clients in Arizona and California. We know what you need to get the home of your dreams. This is why our experts waste no time in helping you own the house you and your family deserve and also aim to educate both individuals and families alike on how they can have access to competitive financing
1830 South Alma School Road, Suite 127, Mesa, AZ, 85210
We work with more than a dozen mortgage lenders which gives us a wide selection of loan products that are sure to provide the perfect mortgage solution for all of your real estate finance needs. We are a local business with low overhead which gives us a competitive advantage of speed and lower costs over the larger mortgage lenders and banks.
"We are bankers, investors and ex-fix and flippers that come together to provide a critical piece of your project: the financing.
You can focus on what you do best, and know that we can cover your borrowing needs.
We make it easy to understand and get done, and then easy to keep up with during your project"
At HomeQuest we understand that each loan is as unique as each person we meet. Experience and hard work along with a network of lending entities allows us to find the best loan products for each individual. Whether you are working full-time, retired, or are self-employed we have specific programs designed for your situation.
At KDA Financial, we work with clients in a variety of financial situations, assisting with everything from conventional home loans that offer a fixed rate 30 year mortgage with 20% down, to services for people who may be qualified for specific types of loans, such as VA and FHA loans.
1550 E. McKellips Road, Suite 117, Mesa, AZ, 85203
Our goal is to be the lender of choice for the professional real estate agent and their clients in each market we enter, as measured by all industry service level surveys reported.
We will succeed by meeting the needs of our borrowers through exceptional communication and transparency throughout the loan process
We make Hard Money loans Not So Hard Money® by bringing lower rates and fees to our niche in ways that other organizations can't or won't do. We take your loan requests with earnest consideration, in an effort to provide the funding you need. Serving the Commercial Real Estate Equity loan marketplace, we provide both direct lending
