USDA and FHA Pro and Con in Loyola, Santa Clara County, CA
In 2026, the USDA loan limit for Loyola, located in Santa Clara, CA, is set at $626,500, whereas the FHA limit for a single-family home is $805,000.
Use Lendersa®'s USDA loan calculator to evaluate and compare the best available rates for USDA versus FHA loans, determining needed income, credit, reserves, and documentation for eligibility. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side by side, making it easier to choose the best program for your specific financial needs in .
2026 Loan Limits and Down Payment Requirements in Loyola, Santa Clara, CA
Loan Type
Loan Limit
Down Payment
USDA
$626,500
0%
FHA
$805,000
3.5%
Conventional Conforming
$805,000
3%
USDA and FHA Loan Options in Loyola, CA
The objective of Lendersa® is to seamlessly connect you with the best USDA or FHA loan options promptly. Choose one of three starting points to match you with suitable lenders offering USDA programs.
The USDA home loan is backed by the Department of Agriculture and is referred to as the USDA rural development loan or USDA mortgage. It is available specifically in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA loan requires no down payment.
The Native American Bancorporation serves as the holding company for Native American Bank, N.A. and is a Community Development Institution (CDI) whose purpose is to promote economic development in areas that are underserved by traditional financial institutions. Chartered as a national community development focused bank.
Preferred Lending Partners, was founded in 1985 and is a not-for-profit Certified Development Company for all of Colorado primarily focusing on counties of Adams, Boulder, Broomfield, Denver. Preferred Lending Partners specializes in SBA 504 loans for small businesses we can also lead you through the rewarding endeavor of acquiring your own assets.
Our goal is to add value to the lives of our members, employees, and the greater community. To do that, we believe in acting a certain way and look to our core values to guide us in every decision we make.
We have a long history of providing excellent financial products and services to our members, and will uphold our commitment.
Expect Mortgage Co are home loan and refinance specialists serving clients in the beautiful state of Colorado. We provide honest, transparent, and trustworthy home loan origination and refinance services. We have established a unique value prop that we feel resonates well with first-time home buyers.
Apex Money Lending Group, pioneered by Marcus Jeffery, excels as a trusted Colorado-based direct lender, empowering real estate investors with swift and reliable funding. Our commitment to tailored financing solutions ensures a smooth and transparent borrowing experience, allowing clients to secure deals swiftly and achieve their investment aspirat
Kim Clancy has been working in the mortgage industry for over 17 years. She has seen the good, the bad, the ups, and downs, and has helped hundreds of families realize their dream of home-ownership. Kim is dedicated to educating her borrowers on the best scenario for their situation and keeps their best interest in the top of her mind.
With Trailhead Mortgage working for you, you’ll have access to wholesale mortgage rates from our partner network that you won’t find online. Our focus on eliminating the hassles of getting a mortgage results in a simplified digital process that keeps the loan moving forward. we bring a consultative, and creative approach to our relationships.
The Bank of Denver, formerly the Denver Industrial Bank, was organized by George F. Rock, Jr. as a result of a merger of the Credit Finance Company, organized in 1936, and the Denver Safe Deposit Company, organized in 1908.
The Bank’s mission is to be a full service financial institution that delivers great personal service
