USDA Loan Vs. FHA loan pro & con for Gilroy, Santa Clara County, CA

In 2025, USDA loan limit in Gilroy, county of Santa Clara, CA is $626,500 while FHA limit is $805,000 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Get top 10
USDA LENDERS
customized to yout needes

USDA and FHA loan options in Gilroy, CA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in California?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(419) 698-2962 2045 miles Lender's profile and map Reviews Bay Area Credit Union 4202 Navarre Avenue, Oregon, OH, 43616 Bay Area Credit Union, members come first. We promise to offer honest, fair service to every member, every time. We promise to treat every member with respect and dignity. We promise to be a trusted financial advisor that members can count on to assist in achieving their financial dreams.
2483823332 2045 miles Lender's profile and map Reviews 365 Lending, LLC 3160 Haggerty Rd, STE P., West Bloomfield, MI, 48323 365 Lending, LLC is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time, and you can trust that when we say we
(586) 524-5219 2045 miles Lender's profile and map Reviews CLEAR LENDING GROUP 7270 Glascott Ave, West Bloomfield, MI, 48323 Here at Clear Lending Group, we believe in putting transparency and personal touch back into the mortgage process. From your first conversation with us, you will experience firsthand our personal approach to each situation. In addition, our expertise will allow us to tailor an option to the specifics of your file.
(833) 832-5625 2046 miles Lender's profile and map Reviews EBlock Loans 7031 Orchard Lake Road, Suite 200, West Bloomfield, MI, 48322 EBLOCK Loans, is a Mortgage Brokering Company. The inspiration behind the name is that the "E" is for “Electronic” while the "BLOCK" is for Block Chain technology combining the two modern technology era's. We pride ourselves on bringing you the fast, in-expensive, digital mortgage experience. Whether you desire to purchase, refinance.
(313) 731-2614 2046 miles Lender's profile and map Reviews Paramount Mortgage Group LLC 6762 Edinborough Dr West, Bloomfield, MI, 48322 PMG has a history of providing decades of experience from highly communicative professionals with a sense of urgency. Paramount pledges top notch professionalism, honest and competent support from our highly competent team. PMG strives to capture our clients and coworkers successes with transparent reviews to ensure all business.
(248) 817-4680 2046 miles Lender's profile and map Reviews AM1ST Financial 6960 Orchard Lake Road, Suite 150, Bloomfield, MI, 48322 Our services include financing, loaning, mortgage lending, mortgage broking, home improvement loaning, refinancing, FHA loan, VA loan, USDA loan, loan down payment assistance, non-qualified mortgage, loan credit offering, and commercial financing. We guide customers through the loan application process and make it worry free.
(248) 538-1500 2046 miles Lender's profile and map Reviews Kaye Financial Corporation 31100 Northwestern Hwy, Farmington Hills, MI, 48322 Kaye Financial’s mission is to provide a superior mortgage experience to all of our clients and to be the mortgage lender that you trust to serve your family, friends, and community. Our family of dedicated mortgage professionals is committed to building relationships based on mutual trust, honesty, integrity, and ethics.
(850) 796-2000 2046 miles Lender's profile and map Reviews FNBT BANK 29 North Eglin Parkway NE, Fort Walton Beach, FL, 32548 Locally owned and operated FNBT.COM Bank was established in 1956. With our Main Office located in Ft Walton Beach, Florida, on Northwest Florida's Emerald Coast, FNBT.COM Bank offers a variety of products and services, Online Banking, Loans, Safe Deposit Boxes, and Personal and Business Accounts, as well as many other services.
850-598-3031 2046 miles Lender's profile and map Reviews Mortgage One of the South Inc 15 North Eglin Parkway, Fort Walton Beach, FL, 32548 At Mortgage One, we are driven to exceed our client's expectations. Our #1 goal is to facilitate the "American Dream" of homeownership. Our local and friendly team prides itself on providing a professional, seamless transaction with the utmost integrity and knowledge. Mortgage One is not just our name, it is the way we do business
(989) 656-2231 2046 miles Lender's profile and map Reviews Bay Port State Bank 9840 Main Street, Bay Port, MI, 48720 Over 100 years ago, the Bay Port State Bank of W.H. Wallace and Company was established to serve the financial needs of the area. Bay Port State Bank is proud to be part of this growing community and looks forward to many more years of service. Bay Port State Bank Shall always be mindful of the need to increase shareholder value.