FHA VS Conventional loan programs in 2026 for Los-Altos, Santa Clara County, California

In 2026, the loan limit for Conventional loans in Los-Altos, located in the county of Santa Clara, CA, is set at $970,800. The FHA loan limit for a single-family home stands at $970,800.

Utilize the Lendersa® Conventional loan calculator to evaluate today's best rates across Conventional, FHA, and USDA loans. Assess the required income, credit, reserves, and documents to qualify. Our advanced mortgage calculator provides side-by-side comparisons for Conforming Conventional loans, USDA, FHA, and VA, helping you identify the program in CA that best fits your financial needs.

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2026 Loan Limits and Down Payment Requirements in Los-Altos, County of Santa Clara, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This comparison table pertains to the following zip codes: 94022

Options for Conventional and FHA Loans in Los-Altos, CA

The aim of Lendersa® is to swiftly and effortlessly secure the best possible Conventional, USDA, or FHA loan for you. Choose from three initial pathways, each designed to match you with favorable lenders and loan programs.

Lendersa USDA loan request and match results


Los-Altos Lenders

  • First Technology Federal Credit Union
  • 3000 El Camino Real, Suite 100, Palo Alto, CA, 94306
  • Lends in California
  • Unlike banks, we exist to serve our members, not to make a profit. Instead, we put our time, money, passion, experience, smarts, elbow grease and whatever else we can muster up to work for our members, employees and communities. It’s our secret weapon that turns promises into action: investment in you.

  • Arrivva
  • 214 Emerson St, Palo Alto, CA, 94301
  • Lends in California
  • What real estate brokerage costs & service should be. We broker with love, integrity, knowledge, a plan, and a flat fee. We are a full-service real estate and mortgage brokerage for qualified, motivated buyers, sellers & mortgagee. We fixed real estate. The simplest, most ethical way to buy, sell, or mortgage real estate.

  • Daisy Huang, Loan Officer
  • 19925 Stevens Creek Blvd, Suite 100, Cupertino, CA, 95014
  • 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.

  • Ocean Mortgage
  • 19620 Stevens Creek Blvd, Suite 280, Cupertino, CA, 95014
  • Lends in California
  • We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.

  • Star One Credit Union | Sunnyvale
  • PO Box 3643, Sunnyvale, CA, 94088
  • Lends in California
  • Star One is one of Silicon Valley’s largest member-owned financial institutions.
    Membership is open to individuals who live, work or attend school in Santa Clara County and several neighboring counties. Our mission is to improve each member's life by delivering valuable financial services.

  • Serenity Home Loans
  • 3875 Bohannon Dr, Suite 2520, Menlo Park, CA, 94026
  • Lends in California
  • Serenity Home loans was founded with the sole mission of helping manufactured home buyers find the best available financing for purchasing a manufactured home. We focus on the MH segment of financing only, so we’ve become one of the nation’s premier experts in the field. With limited lender options.

  • Oportun
  • PO Box 4085, Menlo Park, CA, 94026
  • Lends in California
  • Since we opened our doors in 2005, we have worked hard every day to serve the approximately 100 million people in the USA who are typically shut out of the financial mainstream because they don’t have a credit score or have limited credit history.Our mission-based, technology-powered approach is designed to be inclusive, affordable & empowering.

  • Prince Realty, Inc.
  • 1018 East El Camino Real, Sunnyvale, CA, 94087
  • Lends in California
  • PrinceRealtyUSA.com is one stop solution for Real Estate and No Cost, No point, No fee Refinance/purchase loan options in California. Prince Realty covers prime properties, REOs in Silicon Valley/Bay Area (Peninsula, East and South Bay Areas) and also wholesale lender we provide pre-approval and excellent interset rate.

  • Vale Capital
  • 770 Menlo Avenue, Suite 201, Menlo Park, CA, 94025
  • Lends in California
  • Vale Capital is an Affiliate of OneSource by PCS, an online lending and investor services platform backed by the financial strength of more than 300 private investors. The Principals, Affiliates and Advisory Board Members of Vale and OneSource consist of highly experienced real estate professionals with long and successful track records in lending.

  • Googain
  • 1288 Kifer Road, Suite 208, Sunnyvale, CA, 94086
  • Lends in California
  • We offer robust mortgage tools available on the Internet - easy, convenient, online shopping for comprehensive loan programs and current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.