USDA Vs. FHA Pro and Con comparison in Morgan-Hill, Santa Clara County, CA

In 2024, USDA loan limit in Morgan-Hill, county of Santa Clara, CA is $657,900 while FHA limit is $822,375 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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2024 loan limits and downpayment requirments in Morgan-Hill, county of 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 Morgan-Hill, 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.

Lendersa USDA loan request and matching results

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Centra Capital Investments
  • 336 W Passaic St, Suite 310, Rochelle Park, NJ, 07662
  • Centra Capital Investments is a commercial real estate investment company offering hard money when traditional banks do not. We provide construction loans for both ground up new construction and renovation projects. Will consider both residential and commercial properties with a loan up to 100%
  • Alpine Mortgage Services
  • 201 W Passaic Street, Rochelle Park, NJ, 07662
  • At Alpine Mortgage, we specialize in providing the most competitive rates and closing costs on a Connecticut, Florida, New York, New Jersey and Pennsylvania mortgage. Our goal is to make your home loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service and appreciate the opportunity to
  • Greater Alliance Federal Credit Union
  • 40 West Century Road, Paramus, NJ, 07652
  • Our Mission is To provide the highest quality financial services, through commitment to excellence and financial strength, exceeding the expectations of our members and employees. Our Vision is Commitment to making a positive difference in the financial lives of our members and in the community we serve. We want to be the financial institution.
  • AMERIDREAM HOME LOANS, L.L.C.
  • 72 Essex Street, Suite 4, Lodi, NJ, 07644
  • Ameridream Home Loans in 2016 with one single intention, to help as many people as possible accomplish their goals and reach the American dream of homeownership. We believe that our extensive knowledge of the industry and our transparent & streamline process is the key to our success.
  • Foundation Lenders Inc
  • 7990 Southwest 117th Avenue, Suite 127, Miami, FL, 33183
  • At Foundation Lenders, we listen to our clients’ needs to anticipate their financial goals and dreams and present solid solutions using our years of experience and diverse loan products as the foundation. We’re mortgage professionals, providing sound advice on mortgage options and industry trends.
  • Granada Mortgage LLC
  • 9783 SW 72nd Streeet, Miami, FL, 33183
  • Granada Mortgage is a subsidiary of Capital International Financial, Inc. With over thirty 35 years of experience in providing loans, service, and expertise to home-buyers, Capital International Financial upholds an enduring presence in the lending community. By strategically meeting the ups and downs of the real estate and financial markets
  • Auto Loan Store
  • 3489 Davie Blvd, Fort Lauderdale, FL, 33312
  • Auto Loan Store, we understand that everyone needs a little help now and then. Unexpected bills, emergency home repairs and growing debt are just some of the reasons people find themselves needing a little extra cash. We believe that everyone deserves the low hassle loans that can help them make ends meet
  • Society Mortgage
  • 330 Himmarshee Street, Suite 111, Fort Lauderdale, FL, 33312
  • We are internet-based mortgage company with offices in Ohio, Florida and Maine. While our team is spread out across the country, we have developed a system that allows us to offer a personalized home-buying experience to any person in any location. Society Mortgage is committed to building
  • Level 1 Loans
  • 602 SW 12th Ave, Fort Lauderdale, FL, 33312
  • "Level1Analytics’ solutions are a simple, cost effective way to obtain accurate and defensible mark-to-market analyses that allow you to make informed decisions regarding your mortgages and mortgage related assets confidently. Our first-of-its-kind cloud based software provides financial institutions with access to critical mortgage valuations
  • Christina Kovacs - The Home Agency
  • 2527 Bimini Ln, Fort Lauderdale, FL, 33312
  • Christina has helped buyers and sellers from the around the world with their South Florida real estate transactions and personally invests in properties throughout Florida & New England. In 2018, Christina became a license real estate broker in Connecticut and expanded The Home Agency.
  • Mortgage Masters Inc
  • 2699 Stirling Road, Suite C101, Fort Lauderdale, FL, 33312
  • Mortgage Masters Inc, a "frustration-free zone" where we get you started toward qualifying and applying for a mortgage loan. Our mortgage professionals can get you approved in record time! That's because we take advantage of the very latest and best automated tools to speed you hassle-free toward your new home, new mortgage or home equity cash!