USDA Loan Vs. FHA loan for Cupertino, CA 2025

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 .

USDA and FHA Financing Options in Cupertino, CA

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.

Lendersa USDA loan request matching results

Understanding USDA Loans in CA

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.

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(817) 682-2695 Lender's profile and map Reviews Sage Lending, LLC 222 East Renfro St, Suite 134, Burleson, TX, 76028 Exceptional Service is only the beginning! Our team of mortgage professionals are knowledgeable and use first-hand experience to make sure your transaction is as seamless as possible. We’ll guide you through every step of the process. Helping you meet your real estate goals is why we do what we do.
(817) 293-8412 Lender's profile and map Reviews Everman Parkway Credit Union 1216 Everman Parkway, Fort Worth, TX, 76140 General Motors moved the plant to Dallas and the credit union followed. There, board members worked out of their locker room until January 1982, when office space was rented, a computer bought and a manager hired. GM moved the plant back to Forth Worth in 1987 and the credit union moved to Forth Worth in August of 1987. In October 1991.
(817) 482-6040 Lender's profile and map Reviews Compass Lending Group LLC 303 Covington Way, Colleyville, TX, 76034 We are a full-service mortgage company headquartered in Southlake, Texas. We specialize in every form of Real Estate financing. From your own home, investments properties as well as commercial financing. We also serve multiple states. Whether you are buying a home, relocating to a new area or refinancing,
(214) 460-2224 Lender's profile and map Reviews VIP Mortgage Inc. 92 Piazza Lane Ste. 100, Colleyville, TX, 76034 VIP Mortgage Inc. we consistently surpass customer expectations regarding our service and experience. We offer a complete array of mortgage loan products with Conventional, FHA and VA programs from a variety of investors. and we have Jumbo loans and other non-conforming mortgage loan services
(701) 662-6636 Lender's profile and map Reviews Direct Check 215 Dakota Ave, Wahpeton, ND, 58075 At Direct Check, we strive to work with our customers in a professional and confidential manner. With fast cash personal loans, our employees will work with you to personally ensure your needs are accomplished while providing you. There are many reasons for needing extra cash. At Direct Check we ensure a simple and easy process
(701) 591-0270 Lender's profile and map Reviews Great Plains Capital Mortgage 319 11th St N, Wahpeton, ND, 58075 Great Plains Capital are buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(972) 410-0432 Lender's profile and map Reviews Chartwell American Mortgage, LLC 800 Parker Square, Suite 205, Flower Mound, TX, 75028 Chartwell American Mortgage We strive to be your home lender for life. When venturing into the home finance arena, you need someone that has the experience and relationships to navigate you through the process. Find out how we can help. and camloans.com is your online resource for personalized mortgage solutions.
(469) 635-7555 Lender's profile and map Reviews J Philips Mortgage, Inc. 3020 Corporate Court, Suite 500, Flower Mound, TX, 75028 J Philips Mortgage, Inc. has been offering professional mortgage services to homebuyers in the Flower Mound, and all over the DFW, area since 2007. Judy Philips has over 18 years’ experience in the mortgage field and after numerous years working for a previous company, she decided to open up her own.
(281) 444-7071 Lender's profile and map Reviews Creekview Realty 3201 Cross Timbers Road, Building 6, Suite 600, Flower Mound, TX, 75028 Creekview Realty was founded in 2002 and is headquartered in Plano, TX. John Prell is the broker, and has over 30 years experience over 4 states in various capacities of the real estate business, including investing, hard money lending, residential & commercial construction, renovations, consulting, and brokerage.
(830) 868-7131 Lender's profile and map Reviews Johnson City Bank 100 E Pecan St, Johnson City, TX, 78636 Johnson City founder James Polk Johnson, this structure has housed a variety of businesses & served as a community gathering place. In addition to serving as a community hall, opera house & meeting place for churches & community groups, the structure was occupied by such commercial enterprises as banks, general stores, hotels, & business offices.
(940) 686-7000 Lender's profile and map Reviews PointBank Community Bank 200 S. HWY 377, Pilot Point, TX, 76258 PointBank is an independent, locally owned bank that has been serving the Denton County community since 1884—over 130 years! Currently, we have nine branches conveniently located throughout the county. We at PointBank would like to invite you to try out our many banking services.