USDA Loan Vs. FHA loan for Los-Gatos, CA [Santa Clara County Rates 2023]

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.

Get top 10
USDA LENDERS
customized to yout needes

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.

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.

(570) 342-2720 2461 miles Lender's profile and map Reviews Penn East Federal Credit Union 441 N 7th Avenue, Scranton, PA, 18503 Penn East was chartered on May 3, 1938 as “Scranton, Pennsylvania Teachers FCU” and was awarded charter number 2742. On June 28, 1974 the name was changed to “Scranton and NE Educational Federal Credit Union”. The final name change occurred on December 21, 1994 when the credit union changed its name to “Penn East Federal Credit Union”.
(570) 961-5300 2461 miles Lender's profile and map Reviews NET Credit Union 119 Mulberry Street, Scranton, PA, 18503 NET Credit Union We can service all of your personal finance needs - from everyday checking (with no fees) to saving for long-term. Check out our low-interest rates on all types of loans.and also NET Credit Union is non-profit bank located in Northeastern, Pennsylvania. All employees are trained credit score specialist.
(570) 382-3686 2461 miles Lender's profile and map Reviews Kapital Mortgage Lending LLC 329 Penn Avenue, Suite 200, Scranton, PA, 18503 We are an Independent Mortgage Broker Where We Work For You! Our goal is to find the best mortgage for your lifestyle. Unlike the big banks we specialize in just Mortgages. We partner with several lenders & have access to lower wholesale rates.We act as your personal loan shopper & can get you to the closing table in as little as 21 days or less.
(239) 800-9188 2461 miles Lender's profile and map Reviews American Mortgage Corporation Inc 5576 Hammock Isles Drive, Naples, FL, 34119 American Mortgage Specialties in FHA Mortgage, Veteran Home Loan, Reverse Mortgage, Conventional Mortgage, Jumbo Mortgage, Fannie Mae, One Time Close Construction Loans, Non -Warrantable Condos, Foreign National & ITIN, Commercial Loan, Hard Money Loan, 203K & Homestyle Loan, 2nd & Vacation Homes, Investor Loans, USDA Home Loan, and Freddie Mac.
(910) 270-4663 2461 miles Lender's profile and map Reviews Azalea Coast Mortgage 7741 Market Street, Suite E, Wilmington, NC, 28411 At Azalea Coast Mortgage. Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates and fees available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically
(888) 737-9754 2461 miles Lender's profile and map Reviews Port City Mortgage 8024 Market St, Wilmington, NC, 28411 Port City Mortgage (PCM) was founded on the premise that all customers want and deserve an honest, “no pressure” experience when shopping for a mortgage. PCM does just that for our customers. We disclose in writing all fees and costs associated with the interest rate we quote you, and why the rates we offer are lower than our competitors.
(833) 888-4568 2461 miles Lender's profile and map Reviews Florida Financial Institute 1800 Seneglate Date Drive, Naples, FL, 34119 Florida Financial Institute Inc. was founded October 1, 1987 is celebrating more than 30 years in business this year. After moving to Florida and getting both a Florida real estate brokers license and a Florida Auctioneers license Anthony Mansolillo realized there was a gap in the finance industry, the inability to get the tougher deals done
239-449-3700 2461 miles Lender's profile and map Reviews Stock Financial 2639 Professional Circle Suite 105, Naples, FL, 34119 Stock Financial is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools
(321) 220-1779 2461 miles Lender's profile and map Reviews GI Nationwide Lending Corporation 924 Garfield Street, Melbourne, FL, 32935 G.I. Lending team is a combined effort and partnership of lending professionals Rob Fontaine and Lance Supernaw. Rob’s professional career includes 8 years of service to our country in the United States Coast Guard and over 35 years of experience in business, real estate, insurance, and mortgage brokering.
(321) 698-4053 2461 miles Lender's profile and map Reviews Kendall Mortgage Corporation 1600 W Eau Gallie Blvd, Suite 205J, Melbourne, FL, 32935 Kendall Mortgage Corporation is a preferred Florida home mortgage lender specializing in new home loans and mortgage refinance. Serving Brevard County and all of Florida, for 25 years, Kendall Mortgage has the experience necessary to help our clients navigate the often complex process involved with obtaining a home loan.
(321) 757-5000 2461 miles Lender's profile and map Reviews MortgageDepot 474 N Harbor City Blvd, Suite 2, Melbourne, FL, 32935 We are a multi-state broker, & is the area’s largest independent mortgage broker. Honesty, integrity & financial reliability is the foundation of all our relationships. With a dedicated team of best-in-class mortgage professionals, our goal is to be accessible, attentive & deliver exceptional service to the culturally diverse communities we serve.