FHA VS Conventional loan 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

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


  • Team Swan
  • 310 Southwest 4th Ave, 300B, Portland, OR, 97204
  • Team Swan is the destination for people to become homeowners. It is our mission to be the leading lender to provide families homes where they can create memories and share ideas. We want to help make people's dreams a reality by providing the security of a home for all families. All we need to do is put an address to your dream.

  • Capital M Lending, LLC
  • 209 SW Oak Street, Suite 200, Portland, OR, 97204
  • Capital M Lending is committed to providing ethical, honest and straightforward advice to our clients. Our financial professionals have the utmost integrity. They have the ethics, core values, and experience that meet Capital M Lending’s strict requirements Because we deeply respect our customers and value the work we do.

  • Lumen Mortgage Corporation
  • 920 SW 6th Ave, Suite 1200, Portland, OR, 97204
  • At Lumen Mortgage we incorporate innovative technologies that increase efficiency, protect customer information & boost communication.We provide real-time updates that keep our customers & business partners informed from pre-qualification through funding.Lumen Mortgage allows Oregon homeowners & homebuyers to view LIVE rates & prices.

  • On Point Mortgage
  • PO Box 3750, Portland, OR, 97208
  • OnPoint Community Credit Union had modest beginnings in 1932: just 16 members and a total investment of $36. But, how we became the largest community-owned financial institution in Oregon, branching into Southwest Washington, is no accident. Our team is dedicated to making our members’ financial dreams a reality.

  • Portland Housing Center
  • 3233 NE Sandy Blvd, Portland, OR, 97232
  • Portland Housing Center is your trusted resource no matter where you are at in the homebuying process. When you register we’ll help you determine what services you need to become a successful homebuyer and connect you with one on one counseling, financial management and homebuyer classes, and financial products that can help you become successful.

  • Green Mortgage Northwest
  • 650 Holladay Street, Suite 1600, Portland, OR, 97232
  • Green Mortgage Northwest is rooted in the sustainable ethos that makes Portland an amazing place to live and attracts so many amazing people to our city. We love our inspiring clients and our goal is to deliver brilliant service while sticking to the values that guide us every day.

    We employ paperless document management, electronic signing.

  • NW Premier Mortgage, Inc
  • 2154 NE Broadway St, Suite 120, Portland, OR, 97232
  • NW Premier Mortgage has worked hard to build a reputation for honest business practices and integrity.Our experienced and friendly team strives to provide a high level of personal service & we never fail to remember that it is our clients that make our business a success.As a result, the majority of our client base comes from referrals and business

  • Loans by Vicky
  • 8325 N. Cedar Drive, Eagle Mountain, UT, 84005
  • Vicky is a loan officer who works directly with wholesale lenders to give you the best options. I take the needs of my clients seriously. I will listen to your specific situation and work to find the loan that is best for you. I will keep you updated throughout the entire process and quickly respond to any questions

  • Pacific Sunset Mortgage LLC
  • 15455 Northwest Greenbrier Parkway, Suite 145, Beaverton, OR, 97006
  • We believe nothing replaces old fashioned ‘one-on-one’ service with a local lender, with an office you can walk in to. In today’s busy world though, many need to get things going electronically while on the go. Others are in remote parts of the state and it is difficult to come in to the office.

  • HD Mortgage LLC
  • 1915 North East Stucki Avenue, Suite 400, Beaverton, OR, 97006
  • We are dedicated to finding great loan options while offering some of the fastest turn times in the industry. Our commitment is to provide highly personalized service and helping you through every step of the loan process. We strive to make our customers feel like a family while providing exceptional customer service, speed and support.

  • Fairfield Financial Services, Inc
  • 16055 SW Walker Rd #247, Beaverton, OR, 97006
  • Fairfield Financial Services, Inc. (NMLS number 260898) has been coordinating hard money loans in the Pacific Northwest (Oregon and Washington) since 1964. Our services have recently expanded to include Alaska, California, Colorado, Florida, Idaho, Georgia, Montana, Oklahoma, Texas, Nevada, New York, and Wyoming. We now have sources available to le

  • Trailhead Credit Union
  • 221 NW Second Avenue, Suite 100, Portland, OR, 97209
  • Trailhead Federal Credit Union was founded in 1935 when eleven employees from Portland Gas and Coke decided to pool their money to form a financial cooperative. These founding members encouraged other gas company employees to deposit their money into the Credit Union so that their co-workers who needed to borrow, could do so at a reasonable rate.