USDA and FHA Pro and Con in Gilroy, Santa Clara County, CA
For 2026, the USDA loan limit in Gilroy, within Santa Clara County, CA, is $626,500, while the limit for FHA loans on single-family homes is $805,000.
Utilize Lendersa®'s advanced USDA loan calculator to compare today’s best USDA vs. FHA rates, and understand the necessary income, credit, reserves, and documents needed for qualification. Our calculator shows USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the most suitable program for your financial needs in .
Loan Limits and Down Payment Requirements for 2026 in Gilroy, Santa Clara County, CA
Loan Type
Loan Limit
Down Payment
USDA
$626,500
0%
FHA
$805,000
3.5%
Conventional Conforming
$805,000
3%
Choosing USDA and FHA Loan Options in Gilroy, CA
The aim of Lendersa® is to ensure you quickly and effortlessly receive the best USDA or FHA loan. Choose one of three potential starting points to find matching lenders and suitable USDA loan programs.
The USDA home loan, also known as a USDA mortgage or rural development loan, is backed by the U.S. Department of Agriculture and available only in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans do not require any down payment.
First Utah Bank has proudly served the Utah community for 40 years. First Utah Bank is the largest community bank headquartered in Salt Lake City, Utah. We offer a full range of business and personal financial services, from complex business loans to personal mortgage loans, lines of credit, and state of the art online and mobile banking solutions.
2455 E Parleys Way, Suite 310, Salt Lake City, UT, 84109
Mortgage Brokers, LLC is a professional, affordable and local lending institution focused on offering consumers the best mortgage products and competitive fee structures with local underwriting service. With 22 years of lending experience in the Utah market we understand what it takes to get your loan approved.
2455 E. Parleys Way, Suite 150, Salt Lake City, UT, 84109
EverLEND Mortgage Company. When you think of Mortgage Bankers, you may think of large, cold corporations. There are many out there that have expanded to the point that many consumers feel like just a number, and quite frankly, helpless to choose a better option. We firmly believe in quality over quantity.
1130 E Missouri Ave, Suite 204, Phoenix, AZ, 85014
Paragon Mortgage Corporation is an FHA, HUD MAP and LEAN approved mortgage lender solely focused on HUD-insured financing for over 33 years. Headquartered in Phoenix, Arizona, Paragon Mortgage is known for its highly experienced staff representing decades of originating, underwriting and processing of HUD/FHA loans.
At PMB, you get a range of lending options tailored to meet your needs, as well as advice on the submission, processing, and funding of mortgage applications in Arizona. Our goal is to make borrowing simple and save you money. With a wide array of products for home mortgages, mortgage refinancing, and construction financing
Our team has a combined 50+ years experience in the mortgage industry. Our team is committed to making your lending experience a smooth & informed process. My niche for the past 18 years as a loan professional is figuring out how my client's specific needs fit with lender guidelines so that we can efficiently close your purchase
MfgHomeMortgage.com is powered by American Home Funding, which is a locally owned and operated mortgage brokerage out of Portland, OR. The company was founded by a husband and wife team in Eugene, OR in 1993 and has since retained its Eugene branch and moved its corporate headquarters and processing team to Portland.
American Home Funding has proudly served Oregon since 1993 and Washington since 2011. With local offices in Portland and Eugene we have all your mortgage solutions under one roof. American Home Funding has access to a variety of lenders and loan products that will meet your needs no matter if you’re a first time home buyer.
2091 East 1300 South, Suite 203, Salt Lake City, UT, 84108
Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
Charles Samuels established Maricopa County Employees Federal Credit Union in 1954 for the purpose of serving county employees. The first par value was $5 & loans were no more than $50. The main credit union office is still located in its founding building. In December 2002, Sun Catholic Credit Union merged into the credit union adding its field of
