FHA VS Conventional loan programs in 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, 95030, 95036

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.

Lendersa USDA loan request and matching results


  • Wave Lending Group
  • 8602 Canyon Rd East, Puyallup, WA, 98371
  • wave Lending group is a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from a purchase to refinance. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with great rates, terms

  • The Dorman Team
  • 310 29th St NE, Suite 200, Puyallup, WA, 98372
  • After having multiple bad experiences in getting a home loan, Mike Dorman decided there is a better way to help clients obtain financing. Old fashioned customer service, communication and attention to detail have allowed The Dorman Team the honor of helping thousands of clients purchase or refinance their home loan

  • Harborstone Credit Union
  • 4720 Center St, Tacoma, WA, 98409
  • Harborstone Credit Union has branch locations in King, Pierce, and Thurston counties to serve our members. Which means we're big enough to offer a wide variety of products and services yet small enough to offer a pleasant and personable atmosphere. When you join Harborstone, you become a part owner of our not-for-profit organization.

  • Timberland Bank
  • 624 Simpson Avenue, Hoquiam, WA, 98550
  • Timberland Bank first opened its doors more than 100 years ago in downtown Hoquiam, a booming timber town near the Washington coast. The financial institution evolved with the community, branching out, establishing roots and eventually becoming the community bank that you know today.

  • Penny Lane Financial
  • 1804 W Union Ave, Suite 202, Tacoma, WA, 98405
  • Penny Lane Financial 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 in consulting with you to obtain the best loan possible for your personal unique needs. We provide top-tier quality rates from a wide range of A-rated lenders.

  • Sound Credit Union
  • PO Box 1595, Tacoma, WA, 98401
  • A Northwest original since 1940, we’re one of Washington State’s largest credit unions, driven by the purpose of standing with members, employees and the community through all waves of life. Sound provides authentic and trusted financial support and services with full-service branches around the Puget Sound. credit unions,

  • TAPCO Credit Union
  • PO Box 64369, Tacoma, WA, 98464
  • Founded in 1934 by nine employees of the City of Tacoma who weren’t getting the financial help they needed at traditional banks, TAPCO Credit Union has always been committed to working families. Originally opened as City Credit Union of Tacoma, our first branch was located under the stairs of the Old City Hall in downtown Tacoma.

  • The Columbia Bank
  • 1301 A St, Tacoma, WA, 98402
  • Columbia Bank is a Northwest community bank headquartered in Tacoma, Washington, with comprehensive solutions and expertise to meet the evolving needs of businesses and individuals.

    Growth is vital to remaining a preferred option for customers. It advances the services and expertise we provide on their behalf

  • Crux Commercial Partners
  • 732 Broadway St, Suite 301, Tacoma, WA, 98402
  • Crux Commercial Partners is a boutique commercial real estate finance firm that specializes in value add solutions for our clients. Our diverse web of relationships and unparalleled industry knowledge carry across local banks/credit unions, large regional banks, CMBS issuers, SBA, Fannie Mae/Freddie Mac and affluent private lenders.

  • Emerald Pacific Capital LLC
  • 535 Dock Street, Suite 111, Tacoma, WA, 98402
  • Emerald Pacific Capital LLC was created to be different. When we started this company our vision was to create a company that would be able to help our clients win in life and finances. Our desire is to be unique in the way we provide opportunities for our clients to improve their financial situation through mortgages.

  • Peninsula CU
  • 521 W Railroad Avenue, Shelton, WA, 98584
  • Peninsula Credit Union is a federally chartered credit union and is regulated by the National Credit Union Administration. Everyone who lives, works, worships, goes to school in Kitsap, Mason, Jefferson, Clallam or Grays Harbor County and/or the immediate family related to a current member is eligible to join

  • Bayview Home Loans
  • 421 East Osprey LN, Shelton, WA, 98584
  • 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.