As of 2026, the USDA loan cap in Monte-Sereno, located in Santa Clara county, CA, is $657,900. By contrast, the FHA limit for a single-family residence is $822,375.
Employ the Lendersa® USDA loan calculator to evaluate current USDA versus FHA rates. This tool allows you to find out the income, credit score, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loans in a comparative layout, assisting you in selecting the optimal plan for your specific financial circumstances in
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| Loan Type | Maximum Loan Amount | Down Payment | |
| USDA | $657,900 | 0% | |
| FHA | $822,375 | 3.5% | |
| Conventional Conforming | $822,375 | 3% |
The aim at Lendersa® is to secure the most advantageous USDA or FHA loan for you quickly and with ease. Choose one of three starting options that align you with suitable lenders and USDA loan schemes.
A USDA mortgage is a government-backed loan facilitated by the Department of Agriculture, often referred to as a USDA rural development mortgage or USDA mortgage. It's available exclusively in rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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