FHA Vs. USDA loan program for San-Jose, Santa Clara County, California

For the year 2026, the USDA loan limit in San-Jose, within Santa Clara county, CA, is set at $657,900. In comparison, the FHA limit for a single-family home stands at $822,375.

Utilize the Lendersa® USDA loan calculator to analyze today’s optimal USDA versus FHA rates. This tool helps determine the income, credit, reserves, and documents necessary for qualification. Our sophisticated mortgage calculator allows you to view various loans—USDA, FHA, Conforming, and VA—side by side, guiding you to the best choice for your personal financial scenario in the state of .

Exploring USDA and FHA Loan Options in San-Jose, CA

The objective of Lendersa® is to efficiently offer you the most suitable USDA or FHA loan without any difficulty. Opt for one of three starting methods designed to align lenders with USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

A USDA home loan is backed and guaranteed by the government Department of Agriculture, frequently known as the USDA rural development loan or simply USDA mortgage. This is available for rural regions only. Unlike FHA loans, which necessitate a minimum 3.5% down payment, USDA loans eliminate the need for an initial down payment altogether.

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(503) 887-7333 Lender's profile and map Reviews Green Family Mortgage LLC PO Box 11583, Portland, OR, 97211 Green Family Mortgage LLC We offer one-to-one counseling, support, and top-notch customer service. If you are calling or emailing us, you'll be talking directly to an experienced loan officer. No automated operators or customer service representatives giving you the run around here.
(360) 606-1106 Lender's profile and map Reviews Imagination Age Mortgage Inc 6800 Ne 59th Place, Portland, OR, 97218 We are dedicated to finding the best loan options for our customers while offering some of the fastest turn times in the industry. Our goal is to act as a trusted advisor, providing highly personalized service and helping you through every step of the loan process – from application to closing and beyond.
(801) 505-2567 Lender's profile and map Reviews New Point Lending 3731 W South Jordan Pkwy, Suite 102-122, South Jordan, UT, 84009 Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
503 376 7303 Lender's profile and map Reviews Apartment Loan Store 11704 North Island Cove Lane, Portland, OR, 97217 Apartment Loan Store, a division of Business Loan Store(link is external), is a Commercial Mortgage Banking and Advisory Firm since 1997. We are members of the Mortgage Bankers Association and lend in all 50 states. Our funds come from Fannie Mae, Freddie Mac, HUD, Life Companies, Capital Markets, Mortgage Backed Securities, Hedge Funds, Pension F
(801) 787-3047 Lender's profile and map Reviews Top Tier Mortgage 212 East Crossroads Blvd, Suite 177, Saratoga Springs, UT, 84045 Toptiermortgage.com, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family.
(360) 254-0909 Lender's profile and map Reviews Cascade Home Loans 16508 Southeast 24th Street, Suite 102, Vancouver, WA, 98683 Cascade Home Loans Helping others to buy, sell and finance real estate is what drives us and dealing with the challenges along the way. Today there is no shortage of challenges and we believe the constant changes are what keep us excited about this industry. Sure, it would nice if everything was easier but hard things tend to be the better.
(360) 448-6077 Lender's profile and map Reviews ADAIR FINANCIAL SERVICE LLC 1311 SE Cardinal Ct, Suite 100, Vancouver, WA, 98683 Adair financial service is the best home loan program for your future is more than a job description, it’s our commitment. We pride ourselves in exceptional service and innovative products—and strive to ensure that all of our customers are treated with respect, courtesy and professionalism.
(801) 302-0100 Lender's profile and map Reviews The Mortgage Partner, Inc. 1369 West 12600 South, Riverton, UT, 84065 The Mortgage Partner has been providing mortgage loans in Utah since 1993. Our Utah based company has over 40 years of combined lending experience. We are a mortgage broker which allows us the opportunity to work with multiple lenders—getting you the best rate possible. As a mortgage broker, we have access to many different lenders that others
(801) 417-9449 Lender's profile and map Reviews CloseYour Mortgage Limited Liability Company 1273 West 12600 South, Riverton, UT, 84065 CloseYour Mortgage has helped thousands of Utahns save on their upfront mortgage costs and monthly interest payments. Reach out and let our licensed professionals show you the sensible way to finance (or re-finance) your dream home. There are many types of mortgage loans available.
(801) 884-9783 Lender's profile and map Reviews Sharp Lending Solutions, LLC 14117 South Light Cahill Cove, Bluffdale, UT, 84065 Sharp Lending Solutions was formed out of a need to offer a better solutions for consumers, realtors and builders. William Sharp the owner and founder has spent 12 years as a loan officer, Broker and Principal Lending Manager prior to forming Sharp Lending Solutions. Many companies offer only single solutions, SLS offers a wide variety of lending.
(801) 226-3450 Lender's profile and map Reviews Advocate Home Loans Inc. 11774 Whatta View Place, Riverton, UT, 84065 Advocate Home Loans, Inc. (NMLS #315362) is committed to giving you the best rate, lowest closing cost, and timely service in the industry today. We want your business today and tomorrow, also from your family, friends, and associates. Our company is based on repeat business and referrals. We do apply the “Golden Rule”.