FHA VS Conventional loan programs in 2024 for Gilroy, Santa Clara County, California

In 2024, Convetional loan limit in Gilroy, 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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2024 loan limits and downpayment requirments in Gilroy, 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: 95020

Conventional and FHA loan options in Gilroy, 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


  • Integrity Mortgage Group
  • 9683 Tierra Grande, Suite 102, San Diego, CA, 92126
  • Integrity Mortgage Group team is committed to providing clients with the highest quality financial services combined with great rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs
  • Hyde Funding
  • 8996 Miramar Rd, Suite 250, San Diego, CA, 92126
  • Headquartered in San Diego with over a decade of experience, Hyde Funding represents what you want in a mortgage lender. Hyde Funding specializes in all home purchase transactions, from Jumbo, FHA, First Time Home Buyer, Veteran, Conforming, Rehab, Cash Out, Hard Money and anything outside the box.
  • Morgan Home Loan Funding Corp
  • 8996 Miramar Road, Suite 230, San Diego, CA, 92126
  • Our mission is to provide you with the highest quality mortgage and refinancing services. Our loans are tailored to fit your personal needs at some of the most competitive rates in the nation. We are committed to serving the communities where we live and work, helping to providing mortgage solutions and to strengthen communities to improve lives,
  • H2 Mortgage, Inc.
  • 7940 Silverton Ave, Suite 101A, San Diego, CA, 92126
  • 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.
  • SD Equity Partners, Inc.
  • 13446 Poway Rd #306, Poway, CA, 92064
  • San Diego hard money lenders offering investors higher returns on their money and real estate professionals the money they need to fix and flip houses. To put it simply, we care. We care about our investors and borrowers, and are only interested in creating win/win situations for those who partner with us.
  • Axos Bank
  • 4350 La Jolla Village Dr, San Diego, CA, 92122
  • Axos Financial, Inc is the holding company for Axos Bank, a nationwide bank that provides consumer and business banking products through its low-cost distribution channels and affinity partners. With over $14 billion in assets, Axos Bank provides financing for single and multifamily residential properties, small-to-medium size businesses in target.
  • Diamond Realty
  • 7975 Playmor Terrace, San Diego, CA, 92122
  • Adriana is a Licensed California Real Estate Broker, holding the current designations: GRI (Graduate Real Estate Institute); MLO (Mortgage Loan Officer); PMC (Property management Certificate); CPTS (Certified Probate & Trust Specialist) and REALTOR. She has 30 plus years of experience in the financial industries of Real Estate Mortgage Lending.
  • Avalon Mortgage Corporation
  • 5060 Shoreham Place, Suite 320, San Diego, CA, 92122
  • "The Avalon Mortgage Corporation is your premiere mortgage team located in San Diego, California. 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 San Diego area. Whether you are first time home buyer, purchasing your dream home"
  • PacFunding Group, LLC
  • 4350 La Jolla Village Drive, Suite 110, San Diego, CA, 92122
  • "At PacFunding we provide... equity based, business purpose, short term Bridge or Hard Money loans to Borrowers for purchases or refinances secured by real property in Southern California. At PacFunding, Hard Money Lenders San Diego, CA, we will underwrite, approve and close loans in-house in as few as 5 to 10 business days