FHA VS Conventional loan in East-Foothills, Santa Clara County, California

In 2026, the loan limit for a conventional single-family home in East-Foothills, Santa Clara, CA, is set at $970,800, whereas the FHA loan limit is $970,800.

Utilize the Lendersa® Conventional loan calculator to compare the best available rates today for Conventional, FHA, and USDA loans. Discover the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows you to view Conforming Conventional, USDA, FHA, and VA loans side by side, assisting in determining which program in CA suits your financial situation best.

Explore loan offers from 100 lenders

2026 Loan Limits & Down Payment Requirements in East-Foothills, 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 applies to the zip codes: 95127

Discover Conventional and FHA Loan Options in East-Foothills, CA

The mission of Lendersa® is to ensure you secure the optimal Conventional, USDA, or FHA loan promptly and without hassle. Pick from one of three starting choices to match with appropriate lenders and loan programs.

Lendersa USDA loan request and matching results


East-Foothills Lenders

  • American Asian European African, Inc.
  • 2670 South White Road, Suite 233, San Jose, CA, 95148
  • Lends in California
  • "Committed to the highest level of personal service and integrity since 1988, Joe brings hard work, fairness, and caring to his profession. Joe Tran was joining and got training from Century 21, ERA, Realty World.
    When Joe is representing a buyer or seller, he gives them his full attention."

  • Access Mortgage
  • 1900 McCarthy Blvd, Suite 100, Milpitas, CA, 95035
  • Lends in California
  • Since 1989, Access Mortgage has been committed to providing clients with the highest quality home loans, combined with some of the lowest mortgage rates available in all of California. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our expertise

  • Abundance 99, Inc.
  • 105 Serra Way, Suite 448, Milpitas, CA, 95035
  • Lends in California
  • Formed in 2009, we at Abundance are passionate about finding the best financing solutions for our clients’ needs and overall strategy. We are experienced in a wide range of loan options, including home purchase & re-fi, rental properties, short-term bridge loans, fix & flips, constructions, multi-family, and commercial.

  • Indigo Realty Corporation
  • 1551 McCarthy Blvd, Suite 203, Milpitas, CA, 95035
  • Lends in California
  • We specialize in providing all kind of commercial loans to owners, investors & developers in need of funding outside the scope of traditional banks and lenders. While traditional lenders could take months to close, we can complete the process in days. We provides commercial financing solutions with an outstanding history of service and dedication.

  • Result Financial Corp
  • 1551 McCarthy Blvd, Suite 211, Milpitas, CA, 95035
  • Lends in California
  • "Result Financial Corp, dba California Deed of Trust Investment, we have been in real estate and mortgage business for more than 15 years in San Francisco Bay Area.
    We provide unique buy & sell strategy for our clients. Real Estate & mortgage business around bay area about 15 years.

  • Esposo Properties and Financial Services
  • 500 East Calaveras Boulevard, Suite 210, Milpitas, CA, 95035
  • Lends in California
  • Esposo Properties is a small boutique real estate company. We specialize in small to mid-size investment properties, other than your typical residential sale/listing. We take pride in giving personalized, top of the line service to our clients and investors we will help you sell your home.

  • InterFirst Lending Corporation
  • 1525 McCarthy Boulevard, Suite 1140, Milpitas, CA, 95035
  • Lends in California
  • InterFirst Lending is a next-generation mortgage company that originates residential mortgage loans at a low cost with extremely competitive mortgage rates. We provide the consumer with one of the best mortgage rates in the industry along with transparent, intuitive and efficient online loan process.

  • LoanPros Inc
  • 1355 Jacklin Road, Milpitas, CA, 95035
  • Lends in California
  • LoanPros, opened in 1992 with Diana Skokan and myself. Diana retired in 2000. The business has been operated by Tina Broyles. We have built a 90% referral base over the years. The resourceful and skilled team at Loan Pros Inc is eager to help you reach your dreams. If you need an experienced Milpitas, CA Mortgage team focused on precision

  • Verso Real Estate Services Inc
  • 545 Los Coches Street, Suite 108, Milpitas, CA, 95035
  • Lends in California
  • I am dedicated to providing excellent customer service. My philosophy is simple: clients come first. I pledge to be in constant communication with my clients, keeping them fully informed throughout the entire buying or selling process. I also believe in keeping in contact with past clients

  • Loan Factory
  • 2195 Tully Road, SAN JOSE, CA, 95122
  • Lends in California
  • Loan Factory

    Mortgage Financing Made Simple

    Loan Factory helps borrowers explore purchase and refinance mortgage options with clear guidance and a streamlined online experience. Work with Paul LeJoy for responsive support, competitive solutions, and confidence from pre-approval to closing. Visit loanfactory.com/paullejoy to start.

    Find more lenders