For 2026, the USDA loan limit in Palo-Alto, within Santa Clara County, CA, is $657,900, while the FHA limit for a single-family home reaches $822,375.
Utilize the Lendersa® USDA loan calculator to compare the prevailing USDA and FHA rates, determining the required income, credit, reserves, and documentation needed for qualification. Through our advanced mortgage calculator, you can assess USDA, FHA, Conforming, and VA options side by side, helping you decide which 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% |
Lendersa® is dedicated to securing you the best USDA or FHA loan promptly and smoothly. Select one of three starting methods to connect with fitting lenders and explore USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available solely in rural regions. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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