USDA Loan Vs. FHA loan pro & con Milpitas, Santa Clara County, CA

In 2025, USDA loan limit in Milpitas, county of Santa Clara, CA is $626,500 while FHA limit is $805,000 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 Milpitas, 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.

(866) 331-3833 Lender's profile and map Reviews Kagu Corporation 177 Park Ave, Suite 200, San Jose, CA, 95113 Kagu Loans is a new real estate lending and business financing marketplace that matches consumers with the best lending solution to fit their financing needs. Kagu Loans is a new residential and commercial real estate lending and business financing marketplace that matches consumers with the best lending solution to fit their financing needs.
(408) 947-6900 Lender's profile and map Reviews Heritage Bank of Commerce 224 Airport Parkway, San Jose, CA, 95110 Heritage Bank of Commerce, founded in 1994, is a community business bank headquartered in Downtown San Jose. For over 25 years, HBC has provided a consultative relationship banking approach with clients, offering valuable services to help them achieve their long-term business goals.
(888) 220-6680 Lender's profile and map Reviews Loan On Time 1731 Technology Drive, Suite 590, San Jose, CA, 95110 We offer Home Mortgage, Equity Line, and FHA Loan Services. We also have Real Estate Services, Specialize in Short Sales and Bank Own properties sales and listings! Contact us today for more details FHA Loan Services. We also have Real Estate Services, Specialize in Short Sales and Bank Own properties sales.
(408) 335-9313 Lender's profile and map Reviews Alpine Financial 2033 Gateway Place, Suite 500, San Jose, CA, 95110 Professional real estate broker with years of experience in helping my clients finding their dream homes and selling their homes. We also work with many lenders to offer varieties of loan programs which suits better to our clients's financial needs. We have been in the real estate services business for many successful years.
(408) 445-7830 Lender's profile and map Reviews The Mortgage Outlet 200 North Almaden Boulevard, Suite 200, San Jose, CA, 95110 "The Mortgage Outlet specializes in purchase and refinance loans for residential real estate, including owner occupied and investment properties. With a focus on excellent customer service, great attention to detail and a willingness to pursue all options available to each individual client,"
408-780-8228 Lender's profile and map Reviews Stephen Wong - Bayone Reic 1754 Technology Dr Suite 108, San Jose, CA, 95110 Since 2003, I started working mortgage industry. I had over 10 years experience in residential lending. I’m well experienced in lending, credit counseling, personal finance, and Customer service, and I take pride in helping Customers meet their individual objectives. Mainly focus on residential mortgage loan.
(408) 610-8011 Lender's profile and map Reviews C2 Financial Corporation - Shawn Sidhu 1250 Aviation Ave, Suite 200Q, San Jose, CA, 95110 C2 Financial Corporation - Shawn Sidhu is a mortgage brokerage firm based in San Jose, CA that offers residential and commercial financing assistance throughout the State of California. Some of our specialties are purchase and refinance loans. We're highly experienced working with first time home buyers to seasoned real estate investors
(650) 627-4553 Lender's profile and map Reviews ERATE® 4701 Patrick Henry Drive, Building 16, Suite 100, Santa Clara, CA, 95054 ERATE® is a nationwide publisher of financial and interest rate information specifically targeted for use by the consumer. ERATE began as a prime-only mortgage brokerage and transitioned into a consumer resource site with the primary goal of helping consumers educate and protect themselves.
(408) 235-8977 Lender's profile and map Reviews Prima Loan Service 487 Gianni St, Santa Clara, CA, 95054 Our goal is to help all our clients obtain the best purchase or refinance rates that are currently available, and to provide honest, prompt, and courteous service. Our experienced team of loan officers are here to answer your questions at any time: call us. Prima Loan Service can help you find the home loan that’s right for you and your budget.
(210) 479-8935 Lender's profile and map Reviews Demo Account - CSO #5 3965 Freedom Circle, Suite 750, Santa Clara, CA, 95054 We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms.
(408) 621-9920 Lender's profile and map Reviews Goodview Financial & Real Estate Corporation 2350 Mission College Boulevard, Suite 242, Santa Clara, CA, 95054 We have been serving and earning an exceptional reputation since 1995. We specialize in 3 main aspects: Residential/Investment Property Trading, Real Estate Loans, and Real Estate Agent Training. Goodview is also expert at trading and managing residential/commercial properties in the Bay Area.