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

In 2026, the Conventional loan limit in Santa-Clara, within the county of Santa Clara, CA, is $970,800. For a single-family home, the FHA limit is $970,800.

Use the Lendersa® Conventional loan calculator to compare today's top rates for Conventional, FHA, and USDA loans, identifying the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA, helping you select the program in CA that suits your financial situation best.

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2026 loan limits and down payment requirements in Santa-Clara, 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 applies to zip codes: 95054

Conventional and FHA loan options in Santa-Clara, CA

The Lendersa® goal is to provide you with the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose one of three starting points that lead to matching lenders and loan programs.

Results of Lendersa USDA loan request and matching


Santa-Clara Lenders

  • ERATE®
  • 4701 Patrick Henry Drive, Building 16, Suite 100, Santa Clara, CA, 95054
  • Lends in California
  • ERATE® is a nationwide publisher of financial and interest rate information specifically targeted for use by the consumer.

    ERATE began as a prime-only mortgage brokerage and transitioned into a consumer resource site with the primary goal of helping consumers educate and protect themselves.

  • Demo Account - CSO #5
  • 3965 Freedom Circle, Suite 750, Santa Clara, CA, 95054
  • Lends in California
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms.

  • VVR Loans
  • 831 Transil Circle, Santa Clara, CA, 95054
  • Lends in California
  • VVR Loans, our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you and your company from the many loan options that are available today.

  • CalHomes
  • 510 Lawrence Expressway, Suite 209, Sunnyvale, CA, 94085
  • Lends in California
  • "CalHomes - Real Estate & Mortgage. CalHomes is located in the center of Silicon Valley. CalHomes caters to New Immigrants, Fresh Graduates and Well Established employees and investors.

    CalHomes covers all the counties in & around Bay Area - Alameda, Contra Costa, Santa Clara, San Mateo, San Francisco, Marin, Solano, San Joaquin, Merced & Mont

  • Mission City FCU
  • 1391 Franklin Street, Santa Clara, CA, 95050
  • Lends in California
  • Mission City Federal Credit Union was founded in 1959 as Santa Clara City Employees Federal Credit Union to serve the employees of the City of Santa Clara, including the police, fire and power departments. Since that time the eligibility has expanded to include the faculty, employees and students of Santa Clara University and other select groups.

  • The Loan Story
  • 275 Saratoga Ave, Suite 220, Santa Clara, CA, 95050
  • Lends in California
  • I have been in the mortgage brokerage industry since 1997. By working with my clients' very best interest at the heart of everything I do, I earn their trust. At my office, they call me the diligent one. I am committed to helping all my clients apply, qualify, and be approved for the home loans that they seek and deserve.

  • The Loan Story
  • 275 Saratoga Avenue, Suite 220, Santa Clara, CA, 95050
  • Lends in California
  • We aim to make home financing as simple & pain-free as possible. Whether you are buying your first home, refinancing existing properties, or building investment portfolio, our loan advisors will help you figure out how much you can afford & the perfect mortgage program, either residential or commercial. Tell us your stories, we will do the rest.

  • Michael Ryan & Associates
  • 275 Saratoga Ave., Suite 220, Santa Clara, CA, 95050
  • Lends in California
  • "Providing high touch mortgage services to employee's from their employers. No Surprises.
    Employee's benefit from access to quality information. Market knowledge, market driver's and dynamics. Straight answers to all types of questions relating to home mortgages, home ownership, grpwth through real estate and scaling back, as your life dictates."

  • 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.