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 .
2026 Loan Caps and Down Payment Requirements in San-Jose, Santa Clara, CA
Type of Loan
Limit on Loan
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
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.
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.
TCP Credit Union has been open since 1980. The credit union has assets totaling $11.67 Million and provides banking services to more than 2, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members
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Freedom First is a member-owned, federally insured community financial institution headquartered in Roanoke, VA since its founding in 1956. What sets us apart is that our shareholders are our members — which means that we put our community first. In fact, while most banks evaluate their worth by how much money they keep
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We believe working with our friends & neighbors means we can offer more personal,more individualized service than you might get elsewhere.The mortgage loan expert who begins the process with you will work with you all the way through closing. They’ll answer questions,openly sharing advice & helping through all the steps until your loan is approved.
656 North French Road, Suite 7, Amherst, NY, 14228
Williamsville Federal Credit Union to serve our member’s by providing convenience, exceptional service with advanced products. Williamsville Central School District Employees have an opportunity to become a member of the Williamsville FCU It is a not-for-profit financial institution owned and controlled by the members and is operated for your benef
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