What is the 2026 conforming loan limit in Santa Cruz County?

The 2026 one-unit conforming loan limit in Santa Cruz County is $1,249,125, California's high-cost maximum. Amounts above it are financed as jumbo loans.

Do you offer FHA loans in Santa Cruz County?

Yes. The 2026 FHA limit in Santa Cruz County is $1,249,125 for a single-family home, so FHA financing with as little as 3.5% down is available across the county.

Do you serve both the coast and the Pajaro Valley?

Yes — we work with buyers throughout Santa Cruz County, from Santa Cruz, Capitola and Aptos on the coast to Watsonville and the Pajaro Valley.

California

Santa Cruz County Mortgage & Refinance Lender

Santa Cruz combines a coastal lifestyle with over-the-hill access to Silicon Valley, and demand pushes it to California's top 2026 loan limit despite its smaller size. That high ceiling lets many buyers use conforming or FHA financing here — we help you compare options from Santa Cruz to Watsonville and get pre-approved fast.

2026 loan limits · Santa Cruz County

$1,249,125

Conforming (1-unit)

$1,249,125

FHA (1-unit)

Loan amounts above $1,249,125 are financed as jumbo loans, which we also offer.

Programs available here

FHA loans VA loans Conventional loans Jumbo loans First-time buyer Refinance

Areas we serve

Santa Cruz County · Watsonville · Scotts Valley · Capitola · Aptos · Soquel

Frequently asked questions

What is the 2026 conforming loan limit in Santa Cruz County?: The 2026 one-unit conforming loan limit in Santa Cruz County is $1,249,125, California's high-cost maximum. Amounts above it are financed as jumbo loans.
Do you offer FHA loans in Santa Cruz County?: Yes. The 2026 FHA limit in Santa Cruz County is $1,249,125 for a single-family home, so FHA financing with as little as 3.5% down is available across the county.
Do you serve both the coast and the Pajaro Valley?: Yes — we work with buyers throughout Santa Cruz County, from Santa Cruz, Capitola and Aptos on the coast to Watsonville and the Pajaro Valley.

Loan limits shown are the official 2026 FHFA (conforming) and HUD (FHA) one-unit limits for this county, provided for information only — not an offer to lend or a commitment. All loans subject to credit approval. Equal Housing Lender.