USDA and FHA Pro and Con in Los-Altos, Santa Clara County, CA
In 2026, the USDA loan limit for Los-Altos, located within the county of Santa Clara, CA, is set at $657,900. In comparison, for a single-family home, the FHA limit is $822,375.
Utilize the Lendersa® USDA loan calculator to compare the most advantageous USDA versus FHA rates of today. You can determine the necessary income, credit, reserves, and documents required for qualification. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side to assist in selecting the most suitable program in for your unique financial situation.
2026 Loan Limits and Downpayment Requirements in Los-Altos, Santa Clara, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Options in Los-Altos, CA
The mission of Lendersa® is to swiftly provide you with the best USDA or FHA loan available, without undue hassle. Start with one of three initial paths that lead to matched lenders and suitable USDA loan programs.
The USDA home loan is a government-backed mortgage by the Department of Agriculture, also known as a USDA rural development loan. Available exclusively in rural regions, this mortgage does not require any down payment, unlike FHA loans which mandate a minimum 3.5% down payment.
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