FHA Loan Limits and USDA Eligibility in Santa Cruz County, California
2026 FHA one-unit limit in Santa Cruz County is $1,249,125. Two-unit is $1,599,375, three-unit is $1,933,200, and four-unit is $2,402,625. USDA 502 Guaranteed 1–4 person moderate income is $282,450. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for California
USDA Property Eligibility and Income Limits Map for California
Santa Cruz County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 95003 | $1,249,125 | $282,450 |
| 95005 | $1,249,125 | $282,450 |
| 95006 | $1,249,125 | $282,450 |
| 95007 | $1,249,125 | $282,450 |
| 95010 | $1,249,125 | $282,450 |
| 95017 | $1,249,125 | $282,450 |
| 95018 | $1,249,125 | $282,450 |
| 95019 | $1,249,125 | $282,450 |
| 95033 | $1,249,125 | $233,450 to $282,450 |
| 95041 | $1,249,125 | $282,450 |
| 95060 | $1,249,125 | $282,450 |
| 95061 | $1,249,125 | $282,450 |
| 95062 | $1,249,125 | $282,450 |
| 95063 | $1,249,125 | $282,450 |
| 95064 | $1,249,125 | $282,450 |
| 95065 | $1,249,125 | $282,450 |
| 95066 | $1,249,125 | $282,450 |
| 95073 | $1,249,125 | $282,450 |
| 95076 | $1,249,125 | $199,900 to $282,450 |
| 95077 | $1,249,125 | $282,450 |
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A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific Santa Cruz County address. Then they can match you if you qualify.
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