Santa Cruz USDA loans or United States Department of AgricultureLoans are loans that offer 100% financing to buy a property. To buy a home with a USDA loan you must meet the income requirements, and not make too much or too little money. For income limits in Santa Cruz, contact me.
You cannot use a Santa Cruz USDA Loan to buy a home just anywere in county. USDA loans are for 'rural properties' so buying in the city of Santa Cruz or Watsonville is not an option. I have seen Santa Cruz USDA loans used in the San Lorenzo Valley (Boulder Creek, Felton) and there are many other 'rural' areas in Santa Cruz county you can use the USDA loan. You can go here to see a Map of eligilble areas for USDA loans in Santa Cruz
A USDA loan is not just for agricultural properties, you can actually buy a real home in Santa Cruz with a USDA loan, if it is in the designated areas and you qualify.