USDA Vs. FHA Pro and Con comparison in Campbell, Santa Clara County, CA
In 2025, the USDA loan limit in Campbell, located in Santa Clara County, CA, is $626,500. For a single-family home, the FHA limit is $805,000.
Utilize the Lendersa® USDA loan calculator to evaluate the most competitive USDA vs. FHA rates available today, and determine the necessary income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you in selecting the best program suited to your financial needs, particularly in .
Loan Limits and Downpayment Requirements for 2025 in Campbell, Santa Clara, CA
Loan Type
Loan Limit
Down Payment
USDA
$626,500
0%
FHA
$805,000
3.5%
Conventional Conforming
$805,000
3%
USDA and FHA Loan Options in Campbell, CA
Lendersa® is committed to securing the best possible USDA or FHA loans for you swiftly and effortlessly. Choose one of three pathways to connect with matching lenders and access USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and exclusively available in rural areas. Differing from FHA loans, which require a minimum 3.5% down payment, USDA mortgage loans require no down payment whatsoever.
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