In 2025, the USDA loan limit for Watsonville in the county of Santa Cruz, CA is $626,500, whereas the FHA limit for a single-family home is $805,000.
Utilize the Lendersa® USDA loan calculator to directly compare today’s best rates between USDA and FHA loans. This tool helps you assess the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, making it easier for you to decide which is best suited for your financial needs in .
2025 Loan Limits and Down Payment Requirements in Watsonville, Santa Cruz County, CA
Loan Type
Loan Limit
Down Payment
USDA
$626,500
0%
FHA
$805,000
3.5%
Conventional Conforming
$805,000
3%
Choices for USDA and FHA Loans in Watsonville, CA
The mission of Lendersa® is to quickly facilitate the acquisition of the best USDA or FHA loan with minimal hassle. You have three starting options that lead to compatible lender matches and USDA loan programs.
The USDA home loan is a government-guaranteed loan provided by the Department of Agriculture, also called a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas and, unlike FHA loans that require a 3.5% down payment, it necessitates no down payment whatsoever.
Patriot Credit Union has been providing fast, personal service to it's members for over 50 years. We are owned and operated exclusively for our members, providing service to our members is our main goal. Because we are owned by our members, we can not be bought out by another financial institution.
Alexandria Municipal Employees Credit Union was first authorized to do business in 1951. The By-Laws of this State Chartered Credit Union were adopted at the first Board of Directors Meeting held on January 10th, 1951.
Alexandria Municipal Employees Credit Union remains committed to the long-established ideals of the Credit Union Movement.
Our mission is to provide financial services that are beneficial to anyone who lives, works, worships, or attends school in Catahoula, Grant, LaSalle, Rapides, & Winn Parishes, Vernon Parish school employees, & Union Tank Car Company employees. Cenla Federal Credit Union is committed to serving our members.
District 08 State Highway Employees Federal Credit Union, Charter No. 14651 came to it's being after an Organization Certificate was prepared and signed on October 12, 1961 and approval received on the 31st day of October 1961. District 08 Federal Credit Union was chartered under federal law.
In September 1952 a few concerned employees of the Baptist Hospital saw the need for a way to provide much needed financial services to their fellow workers. The credit union opened with 8 charter members as Baptist Hospital Employees Federal Credit Union. In March 1971 the name was changed to Rapides General Hospital Employees FCU.
Southern Heritage Bank is an independently owned community Bank with a concern for meeting the financial needs of the residents of Rapides, Catahoula, and LaSalle parishes. Southern Heritage Bank is currently celebrating 44 years of service to residents of Lasalle, Catahoula and Rapides Parishes!
1412 Centre Court Dr, Suite 101, Alexandria, LA, 71301
In 1999, a group of Louisiana community/business leaders founded Red River Bank on the ideals of community banking. Today we've grown to a statewide footprint, and that community commitment is stronger than ever.
The origins of Red River Bank can be followed all the way back to the very heart of Louisiana. There, near the banks of the Red Rive
At Magnolia State Mortgage, LLC in Alexandria LA. We understand that situations such as your finances, your goals, are unique and you’re searching for Loan Programs that fit your needs. At Magnolia State Mortgage, meeting those specific needs with the right products and services is our commitment.
