In the year 2026, the USDA loan limit for Milpitas, situated in Santa Clara county, CA, is $626,500, whereas for a single-family residence, the FHA limit is $805,000.
Explore the Lendersa® USDA loan calculator to compare today’s premium USDA and FHA rates, assessing necessary income, credit, reserves, and documentation to qualify. Our sophisticated mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, assisting you in selecting the optimum program in for your financial needs.
Loan Limits and Required Down Payments for 2026 in Milpitas, Santa Clara County, CA
Loan Category
Max Limit
Initial Payment
USDA
$626,500
0%
FHA
$805,000
3.5%
Conventional Conforming
$805,000
3%
Options for USDA and FHA Loans in Milpitas, CA
Lendersa® is dedicated to helping you find the best USDA or FHA loan quickly and efficiently. Choose any of three starting options that connect you with suitable lenders and USDA loan opportunities.
A USDA home loan, supported and guaranteed by the U.S. Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage. It is specifically available for rural areas. In contrast to FHA loans that require a 3.5% minimum down payment, USDA mortgage loans involve no down payment.
1900 McCarthy Blvd, Suite 100, Milpitas, CA, 95035
Lends in California
Since 1989, Access Mortgage has been committed to providing clients with the highest quality home loans, combined with some of the lowest mortgage rates available in all of California. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our expertise
Supreme Financial Services We are committed to providing the absolute best quality to each and every one of our customers. Over the last 30 years, since our start as a family, we have continued to grow while staying true to our original mission — to give you, the customer, a winning service that you can rely on
1313 N. Milpitas Blvd, Suite 100, Milpitas, CA, 95035
Lends in California
ERS Mortgage Our real estate and mortgage company puts the power in the hands of our employees and agents to provide a higher quality and efficient service to our clients. We provide the resources, skills and training necessary for success. As our presence continues to expand, we are looking for motivated people to help us grow.
1313 North Milpitas Boulevard, Suite 120, Milpitas, CA, 95035
Lends in California
AARAX Home Loans Inc is customer driven and no wonder 90% of our business comes from referrals, word of mouth from our satisfied Customers. We pride in our service with a smile attitude that makes the loan procedure smooth, swift, timely, efficient and easy for our Clients. We pride in providing hassle free easy Home Loans
Formed in 2009, we at Abundance are passionate about finding the best financing solutions for our clients’ needs and overall strategy. We are experienced in a wide range of loan options, including home purchase & re-fi, rental properties, short-term bridge loans, fix & flips, constructions, multi-family, and commercial.
1551 McCarthy Blvd, Suite 203, Milpitas, CA, 95035
Lends in California
We specialize in providing all kind of commercial loans to owners, investors & developers in need of funding outside the scope of traditional banks and lenders. While traditional lenders could take months to close, we can complete the process in days. We provides commercial financing solutions with an outstanding history of service and dedication.
500 East Calaveras Boulevard, Suite 200, Milpitas, CA, 95035
Lends in California
Platinum Realty Group And Finance, Inc that is to give you the best service possible! We specialize in the Silicon Valley. We also work with real estate in the areas of Gilroy, Hollister, Santa Clara, and Milpitas. If you are someone who is looking to sell your home, we want to make sure that your home is given all of the attention.
1551 McCarthy Blvd, Suite 211, Milpitas, CA, 95035
Lends in California
"Result Financial Corp, dba California Deed of Trust Investment, we have been in real estate and mortgage business for more than 15 years in San Francisco Bay Area. We provide unique buy & sell strategy for our clients. Real Estate & mortgage business around bay area about 15 years.
500 East Calaveras Boulevard, Suite 210, Milpitas, CA, 95035
Lends in California
Esposo Properties is a small boutique real estate company. We specialize in small to mid-size investment properties, other than your typical residential sale/listing. We take pride in giving personalized, top of the line service to our clients and investors we will help you sell your home.
1525 McCarthy Boulevard, Suite 1070, Milpitas, CA, 95035
Lends in California
We are committed to helping you find the right mortgage product for your needs. Understanding that every borrower is different, we offer a variety of products to meet your individual requirements. We help make the process of securing a mortgage simple & straightforward by offering you financial tools that enable you to make sound financial choices.
