FHA VS Conventional loan programs in 2026 for Monte-Sereno, Santa Clara County, California

For 2026, the Conventional loan limit in Monte-Sereno, part of Santa Clara county, CA, is $970,800, whereas the FHA limit for a single-family home is $970,800.

Utilize Lendersa® Conventional loan calculator to compare current rates: Conventional, FHA, and USDA. Determine the necessary income, credit score, reserves, and documents needed for qualification. This advanced tool showcases side-by-side views of Conforming Conventional loans, USDA, FHA, and VA, assisting you to select the best option in CA for your financial condition.

Review loan offers from 100+ lenders

2026 Loan Limits and Down Payment Requirements in Monte-Sereno, Santa Clara, CA

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

This table comparison is valid for zip codes: 95030

Explore Conventional and FHA Loan Options in Monte-Sereno, CA

Lendersa® is dedicated to obtaining the finest Conventional, USDA, or FHA loan swiftly and with ease. Choose from three unique starting points, each guiding you to suitable lenders and loan programs.

Results for USDA loan request matching by Lendersa


  • Amerimac Cal-West Financial
  • 1038 Leigh Ave, Suite 218, San Jose, CA, 95126
  • Amerimac's employees and agents take pride in providing expert knowledge & service to all of our mortgage clients.The average experience of an Amerimac loan agent is over 17 years. Experience really makes the difference in today's difficult real estate & mortgage market.Employees of Amerimac are fully licensed through the Department of Real Estate.

  • Mortgage Magic
  • 1625 The Alameda, Suite 401, San Jose, CA, 95126
  • "Mortgage Magic is a Mortgage Brokerage located in San Jose CA.

    Mortgage Magic began operation on April 1st, 1990.
    Originally we were a one person operation, and on January 16th, 1991 we incorporated with a total capitalization of only $600! This year we will assist almost 700 customers satisfying their mortgage needs!"

  • MOA Financial Group, Inc.
  • 1922 The Alameda, Suite 314, San Jose, CA, 95126
  • We 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. Thanks to our loyal clients like you, we continue to stand strong since our establishment in 2005 and we are truly grateful for your trust.

  • Milan Real Estate Group
  • 1310 Saddle Rack Street, Suite 452, San Jose, CA, 95126
  • "Whether you’re buying or selling a home (or both), your success hinges upon the expert advice and services provided by your real estate agent.
    Our team is committed to providing our clients with professional services based on our experience, knowledge and skills. We’ve filled this website with tips and resources to help you quickly"

  • American Dream Financial
  • 1038 Leigh Avenue, Suite 218, San Jose, CA, 95126
  • American Dream Financial was founded in 2002, with our office in Campbell, California. Offering our clients an array of loan programs to serve their home financing needs. Our experienced Mortgage brokers span over 15 years in the Mortgage Business. Providing service with experience you can trust.

  • Veridian Mortgage
  • 2975 Bowers Ave, Suite 315, Santa Clara, CA, 95051
  • We provide options & customized loan solutions for 1-4 unit residential purchase & refinance mortgages. Our goal is to zealously represent the consumer while collaborating and communicating with multiple parties, during a transparent process, in order to make sound, well-informed decisions in pursuit of your financial & homeownership dreams because

  • URI Financial, Inc
  • 3400 El Camino Real, Suite 6, Santa Clara, CA, 95051
  • URI Financial have been provided Real Estate & Mortgage Lending services in Bay area since 1988. URI Financial, Inc. understands the importance of low interest rates when looking for financing. So we provide competitive wholesale interest rates that are generally lower than those you obtain at local retail lenders.

  • Advante Real Estate
  • 4675 Stevens Creek Boulevard, Suite 240, Santa Clara, CA, 95051
  • 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 from the many mortgage options that are available today.

  • Stonecrest Financial
  • 4675 Stevens Creek Blvd suite 235, Santa Clara, CA, 95051
  • Stonecrest Financial have underwriting committee meetings every evening and will be able to give you a quick answer on your loan request. We underwrite to combined loan-to-value, story, and exit strategy. We are the direct decision-maker for our funds, and we can close in as quickly as one week.

  • Willow Financial
  • 4647 Columbia River Ct, San Jose, CA, 95136
  • Nadim Aziz is committed to helping you find the right mortgage product for your needs. I understand that every borrower is different, and I offer a variety of products to meet your individual requirements. I make the process of securing a mortgage simple and straightforward by offering you.

  • Platinum Investment Partners
  • 6155 Almaden Expressway, Suite 100, San Jose, CA, 95120
  • The Platinum Investment Partners, Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution