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

In 2026, the Conventional loan limit set for Saratoga, in Santa Clara county, CA, is $805,000. Conversely, the FHA loan limit for a single-family home is $805,000.

Utilize the Lendersa® Conventional loan calculator to assess the best rates for Conventional, FHA, and USDA loans today. Determine the needed income, credit, reserves, and documents to qualify. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, aiding your decision on the best program for your financial situation in CA.

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2026 Loan Limits and Downpayment Requirements in Saratoga, Santa Clara County, CA

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

This table pertains to the zip codes: 95070

Available Options for Conventional and FHA Loans in Saratoga, CA

The mission of Lendersa® is to provide the best possible Conventional, USDA, or FHA loan quickly and without hassle. Start with one of three options that connect you to matching lenders and loan offers.

Lendersa USDA loan request and matching results


Saratoga Lenders

  • UVC Financial
  • 12280 Saratoga Sunnyvale Road, Suite 206, Saratoga, CA, 95070
  • Lends in California
  • The UVC Financial Team is committed to providing clients with the highest quality home loans combined with some of the best mortgage programs suitable to your needs. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, doing a Reverse Mortgage, or consolidating debt.

  • Coast Residential Funding, Inc.
  • 14415 Big Basin Way, Suite B, Saratoga, CA, 95070
  • Lends in California
  • John Lofano is committed to providing his clients with the highest quality financial services combined with the lowest rates available in your area. John works with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • Daisy Huang, Loan Officer
  • 19925 Stevens Creek Blvd, Suite 100, Cupertino, CA, 95014
  • Lends in California
  • 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.

  • Ocean Mortgage
  • 19620 Stevens Creek Blvd, Suite 280, Cupertino, CA, 95014
  • Lends in California
  • We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.

  • Direct Mortgage Funding
  • 236 N. Santa Cruz Ave, Suite 103, Los Gatos, CA, 95030
  • Lends in California
  • Direct Mortgage Funding 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.Today's technology is providing a more productive environment to work in. For example, through our website.

  • Doris Le, Trusted Private Money Lender & Bridge Partner
  • 4300 Stevens Creek Blvd., Suite 275, San Jose, CA, 95129
  • Lends in California
  • When you have an important real estate transaction, you need a reliable source of funding, one that can provide the funding you need, when you need it. We are a direct, local, private money lender originating, underwriting and funding non-traditional mortgages and hard money loans on residential and commercial properties throughout California.

  • Stonecrest Financial
  • 4300 Stevens Creek Blvd., Suite 275, San Jose, CA, 95129
  • Lends in California
  • The Stonecrest family of businesses has been involved in real estate investing and financing since 1986.
    We specialize in private money lending, but we are also a full service loan brokerage.
    For borrowers with less than traditional bank qualifications, We provide private real estate loans at competitive rates, based primarily on equity.

  • Cardan Mortgage
  • 125 East Campbell Ave, Campbell, CA, 95008
  • Lends in California
  • At Cardan Mortgage Inc., 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.

  • Mosaic Mortgage Group
  • 2315 S Bascom Ave, Suite 300A, Campbell, CA, 95008
  • Lends in California
  • We provide World-Class service and mortgage planning know-how for you and your family, for life. When it comes to mortgage financing, one size does not fit all. In fact, there are far too many rules and guidelines involved so that for us, the only way to find you the best loan is to start at the beginning.

  • Loans by Irene
  • 116 E. Campbell Avenue, Suite 5, Campbell, CA, 95008
  • Lends in California
  • Irene helps California homeowners strategically finance their real estate goals. She assists first time homebuyers in understanding and experiencing a smooth and detail-oriented home purchase process and she helps current homeowners analyze the cost/benefit of refinancing. In addition, she has a constant and steady grasp on interest rate trends