FHA Vs. USDA loan program for Los-Gatos, Santa Clara County, California

In 2025, USDA loan limit in Los-Gatos, county of Santa Clara, CA is $657,900 while FHA limit is $822,375 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.

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USDA and FHA loan options in Los-Gatos, 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.

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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.

(415) 332-7539 Lender's profile and map Reviews Paul Bergeron Real Estate 100 Gate 6 Road, Sausalito, CA, 94965 "PAUL BERGERON REAL ESTATE stands out among the pack of Marin County Real Estate brokers in his extensive experience and his emphasis on personal attention and professionalism. Paul, a member of the Sausalito Floating Home Community since 1985, has owned more than 20 floating homes an amassed a broad knowledge of the marinas"
(415) 706-8465 Lender's profile and map Reviews Golden Gate Lending Group 1680 Tiburon Blvd, Unit 9, Belvedere Tiburon, CA, 94920 Golden Gate Lending Group is the premier customized mortgage lender throughout the Bay Area. Boutique, tailored, and exclusive, we specialize in serving home buyers with temporary mortgage solutions that fits into our clients overall long-term financial plan. Principal and Founder, Sofia Nadjibi—with nearly two decades of experience.
(800) 239-1103 Lender's profile and map Reviews Divita Home Finance, Inc. 1610 Tiburon Boulevard, Suite 102, Belvedere Tiburon, CA, 94920 DiVita Home Finance was formed in 2007 with the simple goal of offering our clients significantly more home mortgage options compared to their limited local retail banks. With over 40 lender relationships and growing, we can find the right home loan solution for your situation. Most of our Loan Officers have decades of experience
(800) 232-8101 Lender's profile and map Reviews Chevron Federal Credit Union 2300 Clayton Road, Suite 700, Concord, CA, 94520 Chevron Federal Credit Union, established in 1935, is a financially sound and growing organization providing home, auto, and personal loans, checking and savings accounts, top-tier rates, and personalized service to over 130,000 members around the world. We are proud to be a company built by members for members. Headquartered in Oakland, California
(888) 663-9350 Lender's profile and map Reviews CU Lending 4071 Port Chicago Hwy, Suite 125, Concord, CA, 94520 CU Lending has the ability to fund high loan volumes and enjoys full approval as an FHA Endorsed Lender, a VA automatic lender, Freddie Mac Seller/Servicer, Fannie Mae, CALSTRS and California Employees Mortgage (CEM) preferred lender. This gives the Credit Union the ability to offer its membership the most competitive and beneficial loan products.
(925) 338-7052 Lender's profile and map Reviews City 1st Realty and Financial Services 2300 Stanwell Drive, Suite A, Concord, CA, 94520 City 1st Realty and Financial has been in the real estate services business in the Baton Rouge and Bay Area real estate markets for many successful years and will be here for many more. This longevity and confidence comes from our real estate services to a great many buyers and sellers.
(925) 685-1500 Lender's profile and map Reviews All Valley Mortgage Inc 1251 Monument Boulevard, Suite 205, Concord, CA, 94520 All Valley Mortgage can help you achieve your goals. To set up the right Concord, CA Mortgage plan for you, get in touch with us -- we're happy to help. We understand that the highest compliment one can pay us is to refer their family and friends.We'd like to earn your highest compliments.
(800) 241-5263 Lender's profile and map Reviews Land Home Financial Services, Inc. 1355 Willow Way, Suite 250, Concord, CA, 94520 Land Home Financial Services, Inc. (also known as “Land Home” or Land Home Financial”) is a leading direct lender licensed in all 50 states, and the District of Columbia with retail branches located across the country. Our knowledgeable professionals are committed to building trust and strong relationships with our customers and partners.
(925) 709-4375 Lender's profile and map Reviews Golden Castle Loans 646 Port Chicago Hwy, Suite 5391, Baypoint, CA, 94565 The GCL Team is committed to providing clients with the highest quality loan origination services combined with the lowest interest rates and closing costs possible. Whether you are looking to buy your dream home or refinance, our experienced mortgage professionals are here to work with you one on one to ensure your success.
(925) 222-9105 Lender's profile and map Reviews 3C Mortgage Group 340 Cumberland Street, Suite C, Pittsburg, CA, 94565 At 3C Mortgage Group. We are a full-service mortgage company based in Pittsburg, CA. We specialize in Refinance in Pittsburg, Concord, and Antioch. We also serve the surrounding cities in Contra Costa County. Whether you are buying a home or refinancing in any of these zip codes: 94565, 94521, 94531,
(925) 439-2800 Lender's profile and map Reviews Anahuak Realty and Loans 333A East Leland Road, Pittsburg, CA, 94565 We are a full service Real Estate Company. We are Bilingual speak English and Spanish We help people buy or sell a home, Condo, Townhouse or Mobile Homes. We help Investors with their purchasing needs We are a Professional Property Management Company We work with Landlords and can help Tenants find a property to rent.