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.
15524 SE Mill Plain Blvd, Suite 200A, Vancouver, WA, 98684
Working with Erin and Key One Financial Inc., you can expect to be kept completely up to date on your loan process, giving you the peace of mind needed to focus on the other aspects of buying a home. Erin addresses the far reaching impact the mortgage will have today and well into the future through his expertise with different situations.
315 NE 192nd Ave, Suite, Suite 305, Vancouver, WA, 98684
Directors Mortgage specializes in residential mortgage loans, purchases, refinances, construction loans, reverse mortgages & debt consolidation. Each Sr. Mortgage Specialist on our team has an average of 10 years experience in the mortgage industry. We are no stranger to getting our clients into the homes of their dreams..
The NorthWest Funding Group Team is committed to providing clients with a wide selection of home loans combined with incredible service. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help make your dreams come true
Our goal is to professionally and courteously serve the financial needs of our members, while maintaining a sound financial position. We love our community and are grateful to serve you! We provide various deposit accounts, consumer loans, credit cards, home equity loans, electronic account access and online Bill Pay. We are a Credit Union located
North Star Mortgage understands that purchasing a home is one of the biggest purchases of a lifetime. Our competitor’s approach to the mortgage process is notorious for being drawn out, stressful, and risky. We’ve streamlined our process to ensure that the experience of obtaining your mortgage.
Elevate Credit Union is your lifelong financial advocate and we will be there to walk with you through all the journeys and experiences of your financial life. Join us. Let’s create something great together!vate Credit Union is your lifelong financial advocate and we will be there to walk with you through all the journeys.
Check City was originally founded in 1986 by Richard Rawle along with his sons Tracy Rawle and Todd Rawle as a check cashing store. The first Check City store opened in Richmond, Virginia.and also Check City has grown into a nationwide company that provides many financial services along with check cashing.
4185 Harrison Boulevard, Suite 200, Ogden, UT, 84403
TAB Bank customizes solutions to serve the needs of small- and medium-sized commercial businesses across the US. With lasting commitment, we provide working capital solutions, equipment financing and deposit products during all stages of our customers’ business life cycle in any economic environment
