Explore the differences! FHA VS Conventional loan programs in 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.

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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.

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Lendersa USDA loan request and matching results



  • KDA Home Financial, LLC
  • 935 East Main Street, Suite 101, Mesa, AZ, 85203
  • At KDA Financial, we work with clients in a variety of financial situations, assisting with everything from conventional home loans that offer a fixed rate 30 year mortgage with 20% down, to services for people who may be qualified for specific types of loans, such as VA and FHA loans.

  • Amerifirst Financial, Inc.
  • 1550 E. McKellips Road, Suite 117, Mesa, AZ, 85203
  • Our goal is to be the lender of choice for the professional real estate agent and their clients in each market we enter, as measured by all industry service level surveys reported. We will succeed by meeting the needs of our borrowers through exceptional communication and transparency throughout the loan process

  • Not So Hard Money
  • 935 E. Main Street, Ste 102, Mesa, AZ, 85203
  • We make Hard Money loans Not So Hard Money®​ by bringing lower rates and fees to our niche in ways that other organizations can't or won't do. We take your loan requests with earnest consideration, in an effort to provide the funding you need. Serving the Commercial Real Estate Equity loan marketplace, we provide both direct lending

  • Rails West Federal Credit Union
  • 4708 N Yellowstone Avenue, Chubbuck, ID, 83202
  • The Rails West Federal Credit Union has been serving members since 1935. We are a non-profit financial institution, owned and controlled by our members. Our Mission is to serve the personal financial needs of our members efficiently and vigorously. Our Vision is to become the primary financial institution for the entire credit union

  • The Mortgage Specialists
  • 770 East Chubbuck Road, Pocatello, ID, 83202
  • "The Mortgage Specialists is an industry-leading mortgage brokerage firm in Idaho with one goal in mind: to get you the best mortgage possible. From beginning to end, our team of highly qualified mortgage brokers will simplify the process for you. We have established connections with several noteworthy lenders in the country,

  • Carpenter Home Loans LLC
  • 1921 South Alma School Road, Suite 201, Mesa, AZ, 85210
  • Carpenter Team in AZ is a personal loan officer for clients in Arizona and California. We know what you need to get the home of your dreams. This is why our experts waste no time in helping you own the house you and your family deserve and also aim to educate both individuals and families alike on how they can have access to competitive financing

  • Arizona Lending Source, Inc.
  • 1830 South Alma School Road, Suite 127, Mesa, AZ, 85210
  • We work with more than a dozen mortgage lenders which gives us a wide selection of loan products that are sure to provide the perfect mortgage solution for all of your real estate finance needs. We are a local business with low overhead which gives us a competitive advantage of speed and lower costs over the larger mortgage lenders and banks.

  • Prestige Mortgage, LLC
  • 1256 West Chandler Boulevard, Suite 29, Chandler, AZ, 85224
  • Prestige Mortgage offers Commercial, FHA, VA, USDA, Conventional, Jumbo, Bridge loans, and Private Money loans in Arizona. Whether it is debt consolidation, refinance, cash-out or a purchase of a new home, Prestige Mortgage will help you make the best decision for you and your family.

  • Stashin Mortgage Services, LLC
  • 21716 N Bradford Drive, Maricopa, AZ, 85138
  • Stashin Mortgage Services, LLC is currently licensed in Oregon, Washington, and Arizona. We focus on all types of residential loans in these states. Our mission is to provide our clients with: Competitive rates and fees. Unparalleled customer service, Exceeding expectations, Close every customer's loan

  • X2 Mortgage
  • 3028 E Lakewood St, Mesa, AZ, 85213
  • X2 Mortgage is a wholesale lender - focusing on providing an exceptional, modern mortgage experience that’s far more informative, efficient, and cost effective for both employees and customers. NMLS#2234467wholesale lender - focusing on providing an exceptional, modern mortgage experience that’s far more informative, efficient
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