USDA Vs. FHA Pro and Con comparison in Los-Gatos, Santa Clara County, CA
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 is ideal for your financial situation.
2026 Loan Limits and Down Payment Requirements in Los-Gatos, Santa Clara, CA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Loan Options in Los-Gatos, CA
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.
451 Los Gatos Boulevard, Suite 104, Los Gatos, CA, 95032
Lends in California
"We are a group of experienced, dedicated professionals who are premier providers of mortgage loan financing for home buyers and home loan borrowers based in Silicon Valley, about 45 minutes south of San Francisco, California. We offer the assistance you need to help in all of your mortgage endeavors.
455 Los Gatos Boulevard, Suite 100, Los Gatos, CA, 95032
Lends in California
"Mark is an Experienced and Top Producing Loan Agent based in Los Gatos but serving homeowners throughout California since 2003. Expert Advice. Responsive Service. Fast Turn Times. Expansive Product Selection. Great Rates. Home Refinance, Purchase, FHA, VA, Home Equity, Debt Consolidation.
Westside Mortgage is a boutique mortgage brokerage located in Los Gatos, California. The company was founded by Eric Cutting in 1994, and has originated and closed over 1.5 Billion in mortgage loans. The business relies solely on referrals from prior clients, and specializes in Purchase, Refinance, Equity and Private Lending.
455 Los Gatos Blvd. Suite 100, Los Gatos, CA, 95032
Lends in California
Mortgage Brokering and Origination. Victoria Capital Mortgage Company works with over 30 lenders and specializes in purchase, re-finance and reverse mortgage loans. Contact us for excellent service to save money on your home loan. Victoria Capital Mortgage Established in 1998 and We have been servicing home owners in the Silicon Valley since 1998.
Saratoga Capital, Inc. is a privately-held real estate management company on the West Coast offering apartment home residences, amenities and customer service for renters throughout 35 locations. Since 1971, we have been committed to providing our customers with the best possible service—and exceeding expectations every day.
Golden Century Financial Services As a broker and owner of the Golden Century Financial, Sam Kahlil helps clients save 15 years or more on their mortgages – amounting to tens of thousands of dollars saved on interest! Sam is up-to-date on all financial training and continuing education courses required by the industry
3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
Lends in California
Established in 1996, American Pacific Mortgage, is known for its customer service and quality loan estate programs. We are an independently owned mortgage banking firm and our teams consist of highly qualified loan consultants and processing staff. If you are wondering where to start, the best place is a phone call.
3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
Lends in California
Cedar Mortgage, established in 1981, is an independently owned mortgage brokerage firm, renowned for customer service and quality real estate programs. Our office family consists of qualified loan consultants and processing staff, and our lending portfolio represents one of the most comprehensive program collections in the United States.
236 N. Santa Cruz Ave, Suite 103, Los Gatos, CA, 95030
Lends in California
Direct Mortgage Funding know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.Today's technology is providing a more productive environment to work in. For example, through our website.
152 N. San Tomas Aquino Rd, Suite 1A, Campbell, CA, 95008
Lends in California
At Bay Area Title Loans you can borrow money against your car title to secure a loan. There are 3 simple and easy sets to getting cash today. The best part is that you keep your car while you get the cash you need. With our affordable Car Title Loans, you decide how much money to borrow and we’ll set up a payment plan to fit your budget.
