In 2025, the USDA loan ceiling in Cupertino, within Santa Clara county, CA is $626,500, whereas the FHA ceiling for a single-family house stands at $805,000.
Utilize Lendersa® USDA loan calculator to compare current USDA versus FHA optimal rates and assess the necessary income, credit, reserves, and documents for qualification. Our detailed mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, aiding your decision on the best option for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $626,500 | 0% |
| FHA | $805,000 | 3.5% |
| Conventional Conforming | $805,000 | 3% |
The Lendersa® mission is to connect you swiftly with the best USDA or FHA loans. Choose one of three start points to match with lenders and USDA programs that suit your needs.
A USDA home loan, guaranteed by the Department of Agriculture, known as the USDA rural development loan or USDA mortgage, is specifically for rural areas. FHA loans demand a 3.5% minimum down payment, unlike USDA loans, which have no down payment requirement, making them more accessible for rural home buyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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