FHA VS Conventional loan programs in 2026 for 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.
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.
Seabright Mortgage has provided outstanding mortgage loan service and advice in the greater Santa Cruz area for over twenty years. Combining past experience with acute knowledge of today’s diverse mortgage market, we are able to provide the right mortgage options for our clients while focusing on creating a positive client experience.
Sergio Angeles is the Owner/Broker at Prime Home Loans. Sergio has been in the real estate & lending business for over 17 years. Prime Home Loans is committed to listening to our customers, our employees and our business partners. Their needs and wants are always thoughtfully addressed so that solutions directly impact their desires.
Concept Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates.
Lewis Associates is a private mortgage lender licensed by the California Department of Real Estate and the National Mortgage Licensing System. Founded in 1981 by Monte R. Lewis and Michael A. Lewis. Watsonville Mortgage is a private and conventional mortgage lender, servicing the Central Coast area for over 30 years.
1205 Freedom Boulevard, Suite #2, Watsonville, CA, 95076
Lends in California
Sterling Pacific Financial is a leader in trust deed investing – a simple means for individuals and organizations to invest in real estate loans, earning high returns without proportionately high risk. Led by an investment team of experienced real estate and financial professionals.
18181 Butterfield Boulevard, Suite 170, Morgan Hill, CA, 95037
Lends in California
Pacific Coast Mortgage Company believes the loan process should be painless. That's why we're here to partner with you for the life of your loan. Whereas banks only offer their own products, we source the entire open market to custom tailor valuable solutions for your unique needs.
16275 Monterey Road, Suite K, Morgan Hill, CA, 95037
Lends in California
Integrity. We believe it all begins here. If we are people of integrity, in a business that is not always known for it’s “honesty” we will be set apart from our competition. We strive hard to adhere to all government regulations. But that’s only the start. We also communicate clearly with you the client on your options, benefits.
17485 Monterey Road, Suite 202, Morgan Hill, CA, 95037
Lends in California
At Global Mortgage we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
For over 25 years, Central Coast Home Loans has been a mortgage planning team committed to staying educated and innovative in the Mortgage Industry. Central Coast Home Loans brings this experience and knowledge to help our clients meet their short term and long term financial goals.
6090 Hellyer Avenue, Suite 175, San Jose, CA, 95138
Lends in California
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.
