Explore the differences! FHA VS Conventional loan programs in Sunnyvale, Santa Clara County, California

For 2026, the Conventional loan limit in Sunnyvale, found in the county of Santa Clara, CA, is $805,000, whereas the FHA limit for a single-family home is $805,000.

Leverage Lendersa® Conventional loan calculator to assess today's rates for Conventional, FHA, and USDA loans, and figure out the necessary income, credit, reserves, and documents for qualification. Our advanced tool allows you to compare Conforming Conventional, USDA, FHA, and VA loans side by side to determine which program suits your unique financial condition in CA.

Compare offers from 100 lenders

Loan limits and down payment requirements for 2026 in Sunnyvale, County of Santa Clara, CA

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

This comparison table relates to zip codes: 95002

Options for Conventional and FHA loans in Sunnyvale, CA

The aim of Lendersa® is to deliver the optimal Conventional, USDA, or FHA loan quickly and without hassle. Choose one of the three starting points leading to suitable lender and loan program matches.

Lendersa USDA loan request and matching outcomes


Sunnyvale Lenders

  • Zeitro LLC
  • 385 Moffet Park, Suite 105, Sunnyvale, CA, 94089
  • Lends in California
  • "Zeitro is digitizing the mortgage industry with AI technology, connecting borrowers, lenders and other stakeholders within a virtual ecosystem.
    Our data driven process searches through all available options to find the most competitive rates. Now everyone is just a few clicks away from their perfect match."

  • 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

  • Fremont Bank
  • 39150 Fremont Blvd, Fremont, CA, 94538
  • Lends in California
  • Fremont Bank is one of the oldest locally owned banks in the San Francisco Bay Area. It was founded in 1964 and is based in Fremont, California. We know that community banking makes a difference to our customers, our business partners, and our employees. We believe that each success in our community improves the quality of life for us all

  • American United Mortgage
  • 42820 Albrae Street, Fremont, CA, 94538
  • Lends in California
  • American United Mortgage Corp has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders and individual home buyers and home owners in California. Our mission is to provide you with the best mortgage. That is why unlike our competition, we put our clients needs first.

  • DIVERSIFIED MORTGAGE GROUP
  • 39300 Civic Center Drive, Suite 100, Fremont, CA, 94538
  • Lends in California
  • DIVERSIFIED MORTGAGE The best way to find out what mortgage is best for your home purchase is to get preapproved with a Diversified Mortgage Group loan officer. Mortgage pre approval will give you a realistic idea of your down payment and budget and give you more negotiating power when you make an offer.

  • Salimi Investments
  • 44836 South Grimmer Boulevard, Fremont, CA, 94538
  • Lends in California
  • Salimi Investments, we personalize services based on your needs. Whether you are a first-time home buyer beginning your journey of homeownership, a first-time home seller, or a savvy investor who would like to sell your investment property and diversify your return into multiple real estate channels using we can draw a map towards your success

  • CalNest Financial & Realty Corporation
  • 43731 Boscell Road, Fremont, CA, 94538
  • Lends in California
  • CalNest Financial & Realty was established in 2009. It is a full-service home purchase agency that integrates housing sales and loans. The company is located in Fremont, Fremont, California, San Francisco Bay Area. It is located in the Silicon Valley region. It has unique geographical advantages and insights into technology, finance,