FHA VS Conventional loan in Alum-Rock, Santa Clara County, California

As of 2025, the limit for a Conventional loan in Alum-Rock, located in Santa Clara county within CA, is $970,800. The FHA loan ceiling for a single-family home is $970,800.

Leverage the Lendersa® Conventional loan calculator to evaluate today's leading rates for Conventional, FHA, and USDA loans. It offers insights into necessary income, credit, reserves, and documents for qualification. The advanced mortgage calculator enables side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, assisting you in selecting the best-suited program in CA based on your financial specifics.

Compare loan offers from a range of 100 lenders

2025 Loan Limits and Down Payment Requirements in Alum-Rock, County of Santa Clara, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This table is valid for zip codes: 95127

Exploring Conventional and FHA Loans in Alum-Rock, CA

The objective of Lendersa® is to efficiently connect you with the best available Conventional, USDA, or FHA loan quickly and effortlessly. You can start by selecting any of the three methods provided that will guide you to matching loans and lenders.

Lendersa results for USDA loan requests and matches


  • Delmar Mortgage
  • 2360 W Jefferson Suite 101, Trenton, MI, 48183
  • I have been serving my clients for 15 years now and truly love what I do. After graduating from the University of Michigan I worked in several industries until I was fortunate enough to be introduced to the mortgage business by a friend of my families. I have never looked back as I love what I get to do every day.
  • Honest Lending
  • 755 W Big Beaver Rd, Suite 2020, Troy, MI, 48084
  • We are independent, trained professionals licensed to represent and provide you with the best mortgage for your particular situation. Honest Lending is a team of experienced home lending professionals who believe that everyone should be treated like family. Our founder has more than 10 years combined experience in helping clients like you.
  • Direct Home Mortgages, LLC
  • 3250 W Big Beaver Rd, Suite 229, Troy, MI, 48084
  • Direct Home Mortgages is a premier Mortgage Broker based in Troy, Michigan. We are licensed in the states of Michigan, Colorado, and Texas. We are committed to ensuring you get the very best mortgage for your situation. That’s why with our vast resources and lender relationships, Direct Home Mortgages is able to offer a variety of types
  • Limitless Mortgage Solutions
  • 100 west big beaver rd, Suite 200, Troy, MI, 48084
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • IPFS Mortgage
  • 3250 W Big Beaver RD, Suite 120, Troy, MI, 48084
  • The Integrity Property Financial Services Team is your premier mortgage team located in Troy, Michigan. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Michigan area.
  • Core Direct Mortgage Inc
  • 1700 West Big Beaver Road, Suite 350, Troy, MI, 48084
  • At Core Direct Mortgage, we believe in finding a solution for all applicants. If you are having trouble getting approved for a home loan, please contact us today at 720-508-0621. We are here to help. We offer a wide variety of loan programs to fit our clients' needs in today's real estate market.
  • Everest Financials Inc
  • 2855 Coolidge Highway, Suite 118, Troy, MI, 48084
  • Everest Financials Inc. is your premiere mortgage broker located in Troy, MI. We pride ourselves on offering competitive rates and outstanding service. We make the loan process simple, straightforward, and fast for all types of borrowers. Whether you are purchasing your dream home or looking to refinance
  • National Mortgage Funding LLC
  • 3310 West Big Beaver Road, Suite 105, Troy, MI, 48084
  • At National Mortgage Funding we believe that purchasing a home or refinancing a home should be a process that is comfortable and easy. To help our clients with this process we provide a single voice experience with clear expectations and attention to detail. We believe that the consumer should have control to build their own mortgage.