USDA VS FHA in Alum-Rock, Santa Clara County, CA

In 2026, the USDA loan limit for Alum-Rock in Santa Clara county, CA is $657,900, whereas the FHA limit for a single-family home is set at $822,375.

Use the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates and identify income, credit, reserves, and required documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side-by-side, helping you decide which program in suits your financial situation best.

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2026 Loan Limits and Down Payment Requirements for Alum-Rock, Santa Clara, CA

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Explore USDA and FHA Loan Options in Alum-Rock, CA

Lendersa® aims to find you the ideal USDA or FHA loan quickly and without any hassle. Begin with any of these three methods to match with lending officials and distinct USDA loan schemes.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan is secured by the Department of Agriculture (USDA) and is available only in rural areas. Unlike FHA loans which require at least a 3.5% down payment, USDA mortgages have no down payment requirement.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • Avenue One Capital Inc, offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity and also We’re a mortgage firm specializing in providing custom tailored mortgage solutions to our clients via our mortgage planning process and Licensed in TX, TN, CA, WA, OR, ID, CO, FL, OK
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