USDA Vs. FHA Pro and Con comparison in Cambrian-Park, Santa Clara County, CA

In 2025, the USDA loan limit for Cambrian-Park, Santa Clara, CA is $657,900, while the FHA limit for a single-family home reaches $822,375.

Utilize the Lendersa® USDA loan calculator to compare current USDA versus FHA best rates. Discover the income, credit requirements, reserves, and documentation necessary to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side to help decide the best program for your financial needs in .

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2025 Loan Limits and Downpayment Requirements in Cambrian-Park, 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 Cambrian-Park, CA

Lendersa® aims to connect you with optimal USDA or FHA loans quickly and with ease. Choose one of three starting options to find matching lenders and explore USDA loan programs.

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Understanding USDA Loans in CA

The USDA home loan is a government-backed mortgage by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage. Available exclusively in rural areas, it differs from FHA loans by requiring no down payment, compared to FHA's minimum 3.5% down payment.

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



  • First Home Mortgage Corporation
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  • First Home Mortgage Corporation was founded in 1990 by Dave Waters, CEO. We grew from a handful of employees to a financial institution of 42 offices serving 21 states located in the mid-Atlantic, South and Northeast states. Our entrepreneurial management team, support staff, and industry leading producers.
  • Wellesley Municipal Employees Credit Union
  • 1 Hollis Street, Suite 105, Wellesley, MA, 02482
  • In 1955, the credit union was founded by our first treasurer - manager; Ethel McNeil. She asked ten town employees to deposit $5.00 each into a savings account. These dedicated members received no dividends in their weekly deposits for a long time.Thus the credit union began with ten members and $50.00 in assets.
  • hmw real estate llc
  • 66 Central Street, Suite 18, Wellesley, MA, 02482
  • We're always looking for new talent to help us expand our pool of Executive Client Services. If you have a true passion for helping others live their dreams, we're where you want to be. We cultivate a selection of unique, stylish, timeless, and modern homes – befitting of our A-list clientele. Dealing in superlatives puts you in rare company.
  • Bank Rhode Island
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  • Woodlawn Federal Credit Union
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  • Woodlawn Federal Credit Union strive to offer services designed to improve the economic and social well-being of ALL of our members no matter the socio-economic background, and return financial value to all those who participate in our member owned financial cooperative. and also Woodlawn FCU is more committed than ever to helping people.