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

In 2026, the loan limit for a conventional loan on a single-family home in Los-Gatos, located in Santa Clara county, CA, is $970,800. The FHA loan limit is $970,800.

Leverage the Lendersa® Conventional loan calculator to compare the current best rates for Conventional, FHA, and USDA loans. Assess income, credit, reserves, and required documents to qualify. Our advanced mortgage calculator offers side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, helping you select the best option for your financial situation in CA.

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Loan Limits and Down Payment Requirements for 2026 in Los-Gatos, Santa Clara County, CA

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

This table pertains to the following zip codes: 95032

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

Lendersa® is committed to helping you obtain the best Conventional, USDA, or FHA loan quickly and efficiently. Choose one of three strategies to connect with matching lenders and loan programs.

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Los-Gatos Lenders

  • Victoria Capital Mortgage Company
  • 455 Los Gatos Boulevard, Suite 100, Los Gatos, CA, 95032
  • Lends in California
  • "Mark is an Experienced and Top Producing Loan Agent based in Los Gatos but serving homeowners throughout California since 2003.
    Expert Advice. Responsive Service. Fast Turn Times. Expansive Product Selection. Great Rates.
    Home Refinance, Purchase, FHA, VA, Home Equity, Debt Consolidation.

  • The Westside Mortgage Group
  • 569 University Avenue, Los Gatos, CA, 95032
  • Lends in California
  • Westside Mortgage is a boutique mortgage brokerage located in Los Gatos, California. The company was founded by Eric Cutting in 1994, and has originated and closed over 1.5 Billion in mortgage loans. The business relies solely on referrals from prior clients, and specializes in Purchase, Refinance, Equity and Private Lending.

  • Victoria Capital Mortgage
  • 455 Los Gatos Blvd. Suite 100, Los Gatos, CA, 95032
  • Lends in California
  • Mortgage Brokering and Origination. Victoria Capital Mortgage Company works with over 30 lenders and specializes in purchase, re-finance and reverse mortgage loans. Contact us for excellent service to save money on your home loan. Victoria Capital Mortgage Established in 1998 and We have been servicing home owners in the Silicon Valley since 1998.

  • Saratoga Capital Inc
  • 485 Alberto Way, Suite 200, Los Gatos, CA, 95032
  • Lends in California
  • Saratoga Capital, Inc. is a privately-held real estate management company on the West Coast offering apartment home residences, amenities and customer service for renters throughout 35 locations. Since 1971, we have been committed to providing our customers with the best possible service—and exceeding expectations every day.

  • Golden Century Financial Services
  • 2185 Glenkirk Drive, San Jose, CA, 95124
  • Lends in California
  • Golden Century Financial Services As a broker and owner of the Golden Century Financial, Sam Kahlil helps clients save 15 years or more on their mortgages – amounting to tens of thousands of dollars saved on interest! Sam is up-to-date on all financial training and continuing education courses required by the industry

  • American Pacific Mortgage
  • 3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
  • Lends in California
  • Established in 1996, American Pacific Mortgage, is known for its customer service and quality loan estate programs. We are an independently owned mortgage banking firm and our teams consist of highly qualified loan consultants and processing staff. If you are wondering where to start, the best place is a phone call.

  • Cedar Mortgage
  • 3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
  • Lends in California
  • Cedar Mortgage, established in 1981, is an independently owned mortgage brokerage firm, renowned for customer service and quality real estate programs. Our office family consists of qualified loan consultants and processing staff, and our lending portfolio represents one of the most comprehensive program collections in the United States.

  • Direct Mortgage Funding
  • 236 N. Santa Cruz Ave, Suite 103, Los Gatos, CA, 95030
  • Lends in California
  • Direct Mortgage Funding know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.Today's technology is providing a more productive environment to work in. For example, through our website.

  • Cardan Mortgage
  • 125 East Campbell Ave, Campbell, CA, 95008
  • Lends in California
  • At Cardan Mortgage Inc., our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.

  • Mosaic Mortgage Group
  • 2315 S Bascom Ave, Suite 300A, Campbell, CA, 95008
  • Lends in California
  • We provide World-Class service and mortgage planning know-how for you and your family, for life. When it comes to mortgage financing, one size does not fit all. In fact, there are far too many rules and guidelines involved so that for us, the only way to find you the best loan is to start at the beginning.