FHA VS Conventional loan programs in 2025 for Cupertino, Santa Clara County, California

In 2025, Convetional loan limit in Cupertino, county of Santa Clara, CA is $805,000 while FHA limit is $805,000 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in CA is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Cupertino, county of Santa Clara, CA

Loan Type Loan Limit Down payment
Conventional Conforming $805,000 3%
USDA $626,500 0%
FHA $805,000 3.5%

The comparison table applies to zip codes: 95014, 95015, 95108, 95170

Conventional and FHA loan options in Cupertino, CA

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Key One Financial Inc.
  • 15524 SE Mill Plain Blvd, Suite 200A, Vancouver, WA, 98684
  • Working with Erin and Key One Financial Inc., you can expect to be kept completely up to date on your loan process, giving you the peace of mind needed to focus on the other aspects of buying a home. Erin addresses the far reaching impact the mortgage will have today and well into the future through his expertise with different situations.
  • DIRECTORS MORTGAGE
  • 315 NE 192nd Ave, Suite, Suite 305, Vancouver, WA, 98684
  • Directors Mortgage specializes in residential mortgage loans, purchases, refinances, construction loans, reverse mortgages & debt consolidation. Each Sr. Mortgage Specialist on our team has an average of 10 years experience in the mortgage industry. We are no stranger to getting our clients into the homes of their dreams..
  • NorthWest Funding Group
  • 12411 SE 2nd Cir, Vancouver, WA, 98684
  • The NorthWest Funding Group Team is committed to providing clients with a wide selection of home loans combined with incredible service. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help make your dreams come true
  • Granite Home Loans
  • 418 NE 4th Ave, Suite 109, Camas, WA, 98607
  • Our mission is to provide quality English language instruction through a variety of courses to international and local students in a professional and supportive atmosphere utilizing our unique English teaching methodology.Our mission is to provide quality English language instruction through a variety of courses to international.
  • NorthWest Funding Group, Inc.
  • 802 Officers Row, Suite C, Vancouver, WA, 98661
  • We’re Northwest Funding Group, and we’re legacy builders. We build every loan experience around you, a unique approach that allows you to have a voice. You are heard, valued, and our investment in you is heartfelt. We love what we do and we know how to do it, which shows throughout every single step of the process.
  • Belay Mortgage Group Inc
  • 316 E Fourth Plain Blvd, Suite E, Vancouver, WA, 98663
  • "Belay Mortgage Group is a boutique local mortgage broker licensed in Washington, Oregon and California. We have options to finance with conventional (QM and non QM loans), construction, VA, FHA, USDA. We are a full service brokerage. Licensed under: Oregon Mortgage Lending License ML-5695; Washington Mortgage Broker's Practices Act MB-1737549
  • Brian Stone & PNW Loans
  • 11112 NE 51st Circle, Vancouver, WA, 98682
  • We call ourselves PNW Loans because we live, work, and play in the Pacific Northwest. That means we don’t get worked up over a little rain, we know all the best hiking trails in the Columbia River Gorge, we’ve dipped our toes in countless inland lakes, and we’ve never met an IPA we didn’t like. From the shore, to the timber.
  • Alliance Commercial Credit Group
  • 8002 NE Highway, Suite 503, Vancouver, WA, 98665
  • Since 1995, Alliance Commercial Credit Group has specialized in providing alternative financing to companies throughout the Western United States. Guided by its founder, Suzy Oubre, the company has placed more than $75 million in financing to more than 100 companies in virtually every industry group.
  • Creekside Mortgage, Inc.
  • 4601 NE 77th Ave, Suite 100, Vancouver, WA, 98662
  • You could search the Pacific NW high and low and never find a company more dedicated to you, the borrower. With more than 80+ years of combined experience in the real estate industry, our professionals work hard for you to ensure a smooth and successful transaction. We are committed to quality customer service - putting the people we serve first.
  • Riverview Community Bank
  • 900 Washington St, Vancouver, WA, 98660
  • Riverview Bancorp, Inc. is the holding company of Riverview Community Bank, a progressive community-oriented financial institution that emphasizes local, personal service throughout Southwest Washington and the Portland metropolitan area. The Company provides personal and commercial financial solutions through its network of 17 branches.