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

In 2025, USDA loan limit in San-Jose, 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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USDA and FHA loan options in San-Jose, 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.

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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.

(404) 231-4100 2107 miles Lender's profile and map Reviews Georgia Primary Bank 3880 Roswell Road Northeast, Atlanta, GA, 30342 When we formed back in 2007, we felt that our community deserved the personal and professional service that only a local bank could deliver. We made it our goal to ingrain ourselves into the community, to learn its unique needs and to take our knowledge to serve the business owners, entrepreneurs, homeowners and consumers in our market.
(404) 851-8740 2107 miles Lender's profile and map Reviews Northside Federal Credit Union 980 Johnson Ferry Road, Suite 190, Atlanta, GA, 30342 Northside Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid
(770) 552-1000 2107 miles Lender's profile and map Reviews Katz Mortgage Team 800 Johnson Ferry Rd, Atlanta, GA, 30342 We are a direct lender and are approved as a seller and servicer by the Federal National Mortgage Association (Fannie Mae) and the Government National Mortgage Association (Ginnie Mae). We operate as a Federal Housing Administration (FHA) Direct Endorsement Lender and a Veterans Administration (VA) authorized underwriter.
(404) 454-2070 2107 miles Lender's profile and map Reviews White Oak Financial Corp 5640 Lake Forrest Drive, Atlanta, GA, 30342 White Oak Financial to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and your financial goals. At White Oak Financial, we understand that people buy homes for different reasons.
800 687 0797 2107 miles Lender's profile and map Reviews Commercial Loan Direct 5555 Glenridge Connector 2nd Floor, Atlanta, GA, 30342 Commercial Loan Direct (CLD Capital) is a correspondent and an mortgage banker. Commercial Loan Direct has partnered with institutional investors, Fannie Mae, Freddie Mac, FHA, SBA, USDA, life insurance companies, banks and real estate investment trusts to bring you a wide selection of additional financing vehicles.
(740) 354-7791 2108 miles Lender's profile and map Reviews Desco Federal Credit Union 401 Chillicothe Street, Portsmouth, OH, 45662 Desco Federal Credit Union provides an exceptional banking experience to residents of Scioto and Lawrence Counties in Ohio, Boyd and Greenup Counties in Kentucky, and Cabell and Wayne Counties in West Virginia. As we continue to expand, our commitment to our members and the community will remain top priority.
(404) 658-6465 2108 miles Lender's profile and map Reviews Credit Union of Atlanta 670 Metropolitan Pkwy SW, Atlanta, GA, 30310 At Credit Union of Atlanta, we approach things a little bit differently than the average bank. That's because as a credit union, our focus is not on profits or personal gains. Instead, we pour our energy and any profits earned into securing better rates for our members. And as a member, you're not just any old customer.
(770) 558-3363 2108 miles Lender's profile and map Reviews 770 Hard Cash 592 Lawton Street SW, Atlanta, GA, 30310 With more than 70 years experience behind us, 770 Hard Cash was founded in Atlanta, Georgia. Since inception, our success has been based on unique marketing strategies, competitive lending programs and our focus on 100% customer satisfaction.Our customers keep us as their preferred hard money lender
(877) 724-2900 2108 miles Lender's profile and map Reviews Lenox Financial 3525 Piedmont Rd NE, Atlanta, GA, 30305 Founded in Atlanta, Georgia in 1994 on 3 basic premises: (1) stellar customer service (2) a fiduciary relationship with the customer that had never existed before (3) eliminate closing costs. In order to accomplish these goals, Jon Shibley immersed himself in the intricacies of the mortgage business,
(404) 601-9900 2108 miles Lender's profile and map Reviews Piedmont Mortgage Corporation 2900 Piedmont Road, Atlanta, GA, 30305 Since 1995 Piedmont Mortgage has been constantly innovating to provide you with the latest information and technology. Find out about our discounted rates for high credit scores, and loans with no points, origination or processing feesvating to provide you with the latest information and technology.
(404) 405-9353 2108 miles Lender's profile and map Reviews Atlanta Intown Mortgage Inc 2575 Peachtree Road, Suite 302, Atlanta, GA, 30305 Atlanta Intown company offers the best mortgage tools available on the Internet. Count on us for easy and convenient online shopping for the best loan programs and the latest rates available. With the assistance of an experienced loan officer, you will be guided through the often challenging process of choosing the loan