For the year 2025, 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
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| Type of Loan | Limit on Loan | Down Payment | |
| USDA | $657,900 | 0% | |
| FHA | $822,375 | 3.5% | |
| Conventional Conforming | $822,375 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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