Santa Cruz USDA Loan - 100% Financing

Real Estate Agent with Coldwell Banker - Santa Cruz BRE 01455690


Santa Cruz USDA loans or United States Department of Agriculture Loans 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

usda properties 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. 

Contact me for more information about Santa Cruz USDA loans 100% financing and Santa Cruz First Time Home Buyer Programs.


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Stephanie Anson
Anson Properties LLC - Gainesville, FL

Jessica, thanks for sharing this very helpful information. You are definitely the Santa Cruz short sale agent to contact for buyers and sellers alike.

Apr 09, 2012 06:39 PM #1
Nestor & Katerina Gasset
International Properties and Investments LLC - Wellington, FL
Realtors, Wellington Florida Homes For Sale

Hi Jessica,this is a good news for all the local people on your area.I'm sure they will call you before asking for a loan.Thanks for sharing this post.You're definitely the finest Santa Cruz Short Sale Agent.

May 08, 2012 07:25 AM #2
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Jessica Wallace

Santa Cruz Realtor (831) 419-9345
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