In 2026, the USDA loan cap in Mountain-View, located in Santa Clara county, CA, is $657,900, whereas the FHA limit for single-family homes is $822,375.
Leverage the Lendersa® USDA loan calculator to evaluate today’s top USDA and FHA rates. Determine the necessary income, credit score, reserves, and documentation for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loans in a side-by-side format, facilitating your decision on the most appropriate program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The mission of Lendersa® is to quickly and effortlessly provide you with the best USDA or FHA loan. Choose from one of three starting pathways that connect you with lenders and USDA loan offerings.
A USDA home loan is a government-backed mortgage by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage. It is available exclusively in rural areas. In contrast to FHA loans, which necessitate a minimum down payment of 3.5%, a USDA mortgage requires none, making it a cost-effective solution for rural property buyers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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