For 2026, the USDA loan limit in Los-Gatos, within Santa Clara county, CA, is $657,900. Meanwhile, the FHA limit for a single-family home is $822,375.
Take advantage of the Lendersa® USDA loan calculator to compare the best current USDA versus FHA rates. You can evaluate the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator presents a side-by-side analysis of USDA, FHA, Conforming, and VA loans to determine which option in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
Lendersa® is dedicated to obtaining the best USDA or FHA loan for you promptly and without difficulty. Choose one of three starting pathways to connect with lenders and access USDA loan programs.
A USDA home loan, insured by the U.S. Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is designated for rural areas only. Unlike FHA loans requiring a minimum of 3.5% down, USDA loans demand no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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