Explore the differences! FHA VS Conventional loan programs in Milpitas, Santa Clara County, California

In 2026, the limit for a conventional loan on a single-family home in Milpitas, situated within Santa Clara county, CA, is $805,000. On the other hand, the FHA loan limit is set at $805,000.

The Lendersa® Conventional loan calculator is a valuable tool to compare the best available rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and paperwork to qualify. With this sophisticated mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the most appropriate program for your financial needs in CA.

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Comprehensive 2026 Loan Limits and Down Payment Requirements in Milpitas, Santa Clara, CA

Loan Type Loan Limit Down Payment
Conventional Conforming $805,000 3%
USDA $626,500 0%
FHA $805,000 3.5%

This table applies to the zip codes: 95035

Explore Conventional and FHA Loan Options in Milpitas, CA

The aim of Lendersa® is to secure the most suitable Conventional, USDA, or FHA loan for you quickly and without hassle. Choose one of the three starting points to connect with appropriate lenders and loan programs.

Lendersa USDA loan request and matching results


Milpitas Lenders

  • Access Mortgage
  • 1900 McCarthy Blvd, Suite 100, Milpitas, CA, 95035
  • Lends in California
  • Since 1989, Access Mortgage has been committed to providing clients with the highest quality home loans, combined with some of the lowest mortgage rates available in all of California. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our expertise

  • Abundance 99, Inc.
  • 105 Serra Way, Suite 448, Milpitas, CA, 95035
  • Lends in California
  • Formed in 2009, we at Abundance are passionate about finding the best financing solutions for our clients’ needs and overall strategy. We are experienced in a wide range of loan options, including home purchase & re-fi, rental properties, short-term bridge loans, fix & flips, constructions, multi-family, and commercial.

  • Indigo Realty Corporation
  • 1551 McCarthy Blvd, Suite 203, Milpitas, CA, 95035
  • Lends in California
  • We specialize in providing all kind of commercial loans to owners, investors & developers in need of funding outside the scope of traditional banks and lenders. While traditional lenders could take months to close, we can complete the process in days. We provides commercial financing solutions with an outstanding history of service and dedication.

  • Result Financial Corp
  • 1551 McCarthy Blvd, Suite 211, Milpitas, CA, 95035
  • Lends in California
  • "Result Financial Corp, dba California Deed of Trust Investment, we have been in real estate and mortgage business for more than 15 years in San Francisco Bay Area.
    We provide unique buy & sell strategy for our clients. Real Estate & mortgage business around bay area about 15 years.

  • Esposo Properties and Financial Services
  • 500 East Calaveras Boulevard, Suite 210, Milpitas, CA, 95035
  • Lends in California
  • Esposo Properties is a small boutique real estate company. We specialize in small to mid-size investment properties, other than your typical residential sale/listing. We take pride in giving personalized, top of the line service to our clients and investors we will help you sell your home.

  • InterFirst Lending Corporation
  • 1525 McCarthy Boulevard, Suite 1140, Milpitas, CA, 95035
  • Lends in California
  • InterFirst Lending is a next-generation mortgage company that originates residential mortgage loans at a low cost with extremely competitive mortgage rates. We provide the consumer with one of the best mortgage rates in the industry along with transparent, intuitive and efficient online loan process.

  • LoanPros Inc
  • 1355 Jacklin Road, Milpitas, CA, 95035
  • Lends in California
  • LoanPros, opened in 1992 with Diana Skokan and myself. Diana retired in 2000. The business has been operated by Tina Broyles. We have built a 90% referral base over the years. The resourceful and skilled team at Loan Pros Inc is eager to help you reach your dreams. If you need an experienced Milpitas, CA Mortgage team focused on precision

  • Verso Real Estate Services Inc
  • 545 Los Coches Street, Suite 108, Milpitas, CA, 95035
  • Lends in California
  • I am dedicated to providing excellent customer service. My philosophy is simple: clients come first. I pledge to be in constant communication with my clients, keeping them fully informed throughout the entire buying or selling process. I also believe in keeping in contact with past clients

  • VANTAGE POINT FINANCE
  • 2055 Junction Ave, San Jose, CA, 95131
  • Lends in California
  • Vantage Point Finance, you can expect friendly, professional advice and clear explanations of all of our available mortgage products, including our private loans and commercial financing options. We will walk you through the advantages and risks associated with each loan option and provide the guidance you need to help you make the right decision.

  • Morgan Real Estate & Financial, Inc
  • 2051 Junction Ave, Suite 237, San Jose, CA, 95131
  • Lends in California
  • We're a group of licensed real estate and mortgage consultants, dedicated to providing California home owners and investors best services. We provide home buying, selling and mortgage services as one stop shopping. In addition, we also provide EB-5 investment green card services to foreign investors as a total solution.