FHA VS Conventional loan programs in San-Martin, Santa Clara County, California

In 2026, the conventional loan limit for a single-family home in San-Martin, Santa Clara, CA, is $970,800. The FHA limit is $970,800.

Use the Lendersa® Conventional loan calculator to evaluate today's best rates between Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents to qualify. Our advanced mortgage calculator lets you compare Conforming Conventional, USDA, FHA, and VA loans side by side to help decide which program in CA suits your financial situation the best.

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2026 Loan Limits and Downpayment Requirements in San-Martin, 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 table applies to the following zip codes: 95046, 95020, 95038

Explore Conventional and FHA Loan Options in San-Martin, CA

Lendersa® aims to provide the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose from one of three starting points to find matching lenders and loan programs.

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  • United Federal Credit Union
  • 2819 South State Street, Saint Joseph, MI, 49085
  • United was founded in 1949 by people just like you who believed in the values of the community and who believed in service to one another. We’ve been serving Members ever since, growing into who we are today with the knowledge that strength in numbers brings opportunities and prosperity to all of us.

  • Home National Bank
  • 117 E Main Street, Thorntown, IN, 46071
  • Since 1901, Home National Bank has been part of the community. Through the years, we have sought to meet the financial needs of customers. Home National Bank has a total of 175 shareholders and is widely held. The largest shareholder maintains 6% of the shares outstanding. We are truly a community bank with our ownership widely.

  • The Bank of Vernon
  • 44825 Highway 17, Vernon, AL, 35592
  • Bank of Vernon's history dates back to November 11, 1911, becoming the first bank in Alabama chartered by the Alabama Banking Department. Our first location was courthouse square.
    Bank of Vernon has endured the challenging time of the Great Depression and other economic downtimes prevailing as a strong, well-capitalized hometown, independent ban

  • Legacy Mortgage Services
  • 329 Warfield Blvd, Suite A, Clarksville, TN, 37043
  • Legacy Mortgage is committed to providing quality service in a friendly atmosphere while helping you obtain the mortgage that is right for you. Your personal homebuying situation is unique, therefore we offer a tremendous variety of products tailored to meet your specific goals. Our top priority is to simplify the process

  • Valley Credit Union, Alabama
  • 200 E 6th Street, Tuscumbia, AL, 35674
  • Valley Credit Union was originally chartered as Sheffield-Tuscumbia Credit Union. On January 19, 1956, eight employees of Sheffield and Tuscumbia Board of Education petitioned the state of Alabama for a charter to provide their employees with a convenient way to save and borrow. Today Valley has grown from 22 members in their first month.

  • Bank Independent
  • 710 S Montgomery Ave, Sheffield, AL, 35660
  • Bank Independent is a locally owned community Bank committed to making a positive difference in people's lives. We've served the financial needs of folks across North Alabama since 1947 and have grown to become a highly-rated and well-respected $2.1 billion Bank.

    We couldn't be where we are today without our team members

  • Labor Management Federal Credit Union
  • 8225 US Highway 60 W, Lewisport, KY, 42351
  • Labor Management FCU was chartered on December 18, 1974. The membership was chartered for Employees of Harvey Aluminum. Harvey Aluminum later became Martin Marietta, Commonwealth Aluminum & is known today as Aleris Aluminum. Today Aleris Aluminum employees 1000+ employs and is a global leader in the manufacture and sale of aluminum rolled products.

  • West Shore Bank
  • 201 W Loomis St, Ludington, MI, 49431
  • For over a century, we have remained committed to helping the people and businesses of the West Shore community improve their financial well-being. As a local business, we employ over 100 people at nine full-service banking offices in Mason, Oceana, Manistee, Benzie and Grand Traverse counties. All of our employees live.

  • MUNA Federal Credit Union
  • 4400 Highway 39 North, Meridian, MS, 39301
  • Originally, MUNA FCU was chartered in June 1962 as Meridian Naval Federal Credit Union & was for active military, retired military, & civil service Team Members affiliated with the Naval Auxiliary Air Station at Meridian. In October 1993, the name was changed to MUNA Federal Credit Union to reflect the uniting of the Meridian and Navy communities.

  • Citizens National Bank of Meridian
  • 512 22nd Avenue, Meridian, MS, 39301
  • Citizens National Bank is 129 years strong, stable and secure with over $1.3 billion in total assets. As an independent community bank, we believe we have a major advantage over the one-size-fits-all policy of most mega banks and financial institutions. With 26 locations in Mississippi, the latest technology and innovative accounts and services.

  • Honor Credit Union
  • 8385 Edgewood Road, Berrien Springs, MI, 49103
  • Our team remains true to our member promise: Providing Solutions for Your Financial Success. Just one look through our website and you’ll see that Honor Credit Union offers a full range of products and services, market-leading rates and various ways for you to access your money, easily and dependably.

  • Lauderdale County Teachers Credit Union
  • 103 Magnum Street, Florence, AL, 35630
  • Lauderdale County Teachers Credit Union is committed to meeting the ever-changing needs of your financial well-being. Established by school employees’ – for teachers, administrators, and support staff – Lauderdale County Teachers Credit Union, for more than 60 years has been providing quality, committed service.