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

In 2026, the Conventional loan limit in Gilroy, situated in Santa Clara County, CA, is marked at $805,000, while the FHA limit is $805,000 for a single-family home.

Use the Lendersa® Conventional loan calculator to compare the most advantageous rates for Conventional, FHA, and USDA loans today. Determine the necessary income, credit, reserves, and documents required for qualification. With our advanced calculator, examine Conforming Conventional loans next to USDA, FHA, and VA loans, aiding in deciding which program in CA best suits your financial situation.

Compare diverse offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Gilroy, Santa Clara County, CA

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

The table applies to zip codes: 95020

Available Conventional and FHA Loan Options in Gilroy, CA

The main goal of Lendersa® is to ensure you obtain the best possible Conventional, USDA, or FHA loan swiftly and without hassle. Choose one of three starting strategies that lead to matching lenders and optimal loan programs.

Outcomes from Lendersa USDA loan requests and matching


  • Mint Mortgage
  • 3601 SW 160th Ave Suite 320, Hollywood, FL, 33027
  • Mint Mortgage is a division of Point Mortgage. We are based in Miramar, FL, and serve clients in the greater Miami and Fort Lauderdale areas. We are licensed to work across the state of Florida and offer a range of loan programs to choose from. Solutions to help reduce closing cost and find lowest rate available.

  • EZ Funding Group, Inc.
  • 3350 SW 148th Ave, Suite 228, Miramar, FL, 33027
  • EZ Funding Group, Inc. was established in 2000 by Jaime Charouf as the President/CEO of the company and from its inception EZ Funding Group, Inc., has made the commitment to provide clients in the state of Florida with the highest quality service and with the combination of diverse residential and commercial mortgages.

  • LendingMan
  • 398 NE 6th Avenue, Suite B, Delray Beach, FL, 33483
  • LendingMan is the low cost loan leader enabling customers to shop, compare, + apply for the best loans. Equal Housing Lender.

    LendingMan is an approved Seller/Servicer for Freddie Mac, FHA, Department of Housing and Urban Development, VA & USDA. LendingMan is an Equal Housing Lender committed to ensuring every applicant for credit receive fair

  • ResMac, Inc.
  • 398 NE 6th Ave, Suite B, Delray Beach, FL, 33483
  • ResMac, Inc. is an Equal Housing Lender. As prohibited by federal law we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because you have, in good faith, exercised any right under the Consumer

  • Hard Money Loan Solutions Inc
  • 70 SE 4th Ave, Delray Beach, FL, 33483
  • We are a private hard money lender in Palm Beach County, Florida, dedicated to helping local businesses grow with tailored real estate loans. We offer investment, business purpose loans, competitive rates, and low closing costs. As an asset-based lender, we simplify the process by not requiring credit reports, tax returns, bank statements.

  • American Home Finance Group, Inc.
  • 100 E Linton Blvd Suite 305A, Delray Beach, FL, 33483
  • American Home Finance Group, Inc utilize our extensive expertise in the mortgage industry to assist future home buyers & people in need of refinancing navigate through complex financial challenges while making them feel like a member of our family. 20 years experience and knowledge to make sure your deal is structured

  • Supreme Lending - Mortgage Lenders Delray Beach FL – Refinancing & VA home loan
  • 110 SE 4th Ave, Ste. 102, Delray Beach, FL, 33483
  • Supreme Lending, one of the most respected Mortgage Bankers, was established in 1999 by Scott Everett. Having an extensive business and mortgage background, Mr. Everett has secured the respect of mortgage professionals and is committed to attracting not only the most professional loan officers but also the most cutting edge loan products.

  • Liberty Mortgage Lending
  • 393 NE 5th Ave, Delray Beach, FL, 33483
  • Liberty Mortgage Lending opened its doors in 2001 with a mission to provide our clients with the best service in the mortgage industry. This mission, along with continued loyalty to our client’s financial security, has seen us through the highs and lows of the real estate market, making many of our first-time borrowers happy to return.

  • Your Home Sold Guaranteed Realty Services
  • 7700 Congress Ave, Suite 3114, Boca Raton, FL, 33487
  • Mark and Kristin Stampini launched The Stampini Team in 2008 to serve residents in Palm Beach and Broward Counties. Kristin, who has a business management degree from Western Michigan University, spent 15 years in the restaurant industry before moving to South Florida. She earned her real estate license in 2006.