FHA VS Conventional loan in San-Jose, Santa Clara County, California
In the year 2026, the maximum limit for a conventional loan in the city of San-Jose, located in the county of Santa Clara, CA, is $970,800. Meanwhile, the FHA limit for a single-family residence stands at $970,800.
Utilize the Lendersa® Conventional loan calculator to compare today's Conventional, FHA, and USDA rates. This tool helps you determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator allows you to view Conforming Conventional loans, USDA, FHA, and VA side-by-side, aiding in deciding which program in CA suits your financial circumstances best.
Loan limits and down payment requirements for 2026 in San-Jose, situated in the county of Santa Clara, CA
Loan Type
Loan Limit
Down payment
Conventional Conforming
$970,800
3%
USDA
$657,900
0%
FHA
$970,800
3.5%
This comparison chart is relevant for the following zip codes: 95118
Exploring Conventional and FHA loan options in San-Jose, CA
The objective of Lendersa® is to assist you in gaining access to the best suited Conventional, USDA, or FHA loans quickly and effortlessly. Start with one of the three following steps, which will match you with lenders and their programs:
500 N Green St, Little Egg Harbor, Tuckerton, NJ, 08087
Empowering dreams with tailored financial solutions, National Directlender LLC champions homeownership by offering diverse loan options. From FHA and VA loans to Reverse Mortgages and Bridge Loans, we provide expert guidance every step of the way, ensuring families secure homes and futures. Choose National Directlender LLC as your bridge to financi
Rick Spears founded Prodigy Mortgage Corporation in 1999. Our philosophy is to conduct ourselves as a Discount Mortgage Broker with concentration in high net worth borrowers, 1st time homebuyers, FHA, and VA financing. We have deep and long standing business relationships and agreements with banks and Lending Companies.
Courtney J. Krysty is the owner and managing member of Embassy Funding LLC. She holds mortgage loan originator licenses in New York, New Jersey, Connecticut and Florida. Courtney has been working in the industry for over 15 years, gaining a wealth of experience as a processor, underwriter, loan officer, and branch manager.
JetStream Federal Credit Union has provided quality financial services to its members, earning a reputation of excellence and achievement. JetStream Federal Credit Union; a low income designated credit union with 75% of our members in Miami Dade County and Puerto Rico residing in low income zip codes.
2300 West 84th Street, Suite 404, Hialeah, FL, 33016
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.
14054 Northwest 82nd Avenue, Suite B, Miami Lakes, FL, 33016
We are a real estate solutions and investment firm that specializes in helping property owners get rid of burdensome real estate fast. We are investors and problem solvers who can buy your property fast with a fair all cash offer. We will give you a free, as-is, no-obligation cash offer for your property within 24 hours.
14750 Northwest 77th Court, Suite 205, Miami Lakes, FL, 33016
At Elite Lending, we pride ourselves on being innovative, efficient, and accountable. Our goal is to provide our clients with the most efficient and stress-free loan process experience. We achieve this goal through our knowledgeable staff combined with our innovative technology. Throughout the process,
"Directly involved in the Real Estate and Financial industry, in 1996 Mr. Martinez founded MoneyOne Mortgage which during the mid 2000 and licensed in 5 Stated the company’s funding yearly volume rose to over $70 million with 13 MoneyOne Realty franchise offices. In the early days, shortly after College, Frank started his own Advertising"
The EquiMortgage Bankers, Corp 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 that is tailored specifically to meet your financing needs.
MARAID LENDING LLC Help Clients Finance their Dream Homes. We do Residential, Commercial Loans and Private Lending. We have the lowest closing costs and interest rate. Our priority is to be the premier mortgage service provider in the mortgage industry. Y para un mejor servicio hablamos español.
