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