USDA and FHA Pro and Con in San-Jose, Santa Clara County, CA
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.
Golden Century Financial Services As a broker and owner of the Golden Century Financial, Sam Kahlil helps clients save 15 years or more on their mortgages – amounting to tens of thousands of dollars saved on interest! Sam is up-to-date on all financial training and continuing education courses required by the industry
3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
Lends in California
Established in 1996, American Pacific Mortgage, is known for its customer service and quality loan estate programs. We are an independently owned mortgage banking firm and our teams consist of highly qualified loan consultants and processing staff. If you are wondering where to start, the best place is a phone call.
3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
Lends in California
Cedar Mortgage, established in 1981, is an independently owned mortgage brokerage firm, renowned for customer service and quality real estate programs. Our office family consists of qualified loan consultants and processing staff, and our lending portfolio represents one of the most comprehensive program collections in the United States.
Nadim Aziz is committed to helping you find the right mortgage product for your needs. I understand that every borrower is different, and I offer a variety of products to meet your individual requirements. I make the process of securing a mortgage simple and straightforward by offering you.
Excite is a relatable, jean-wearing, never-boring, highly-caffeinated credit union. We’re made up of smart, friendly people who feel it’s our responsibility to take care of the neighborhoods we live in. And we want to give everyone the chance to build a financially stronger future – because together is the only way to step up to better.
The Property Network is a company made up with professionals who provide customers with a complete solution to purchasing, selling and refinancing a home. With a comprehensive approach to customer service, The Property Network makes the client transaction a positive and enjoyable experience.
Fernando is a licensed and full time professional Real Estate Broker. Fernando's commitment to professional service and results has made him an integral part of Silicon Valley's best Real Estate agents and developers. Fernando has a wealth of knowledge and skill within the industry.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
SnapFi is innovating the mortgage lending experience. Working at the intersection of leading edge technology and dedicated, expert advisory services, we customize and deliver the best financial solutions for our clients, today, tomorrow, and into the future. We’re fast. We’re agile. We make our own decisions.
Foley Mortgage provides mortgage financing for all types of borrowers and situations, including refinances, purchases, FHA / VA. Additionally we offer hard money loans for investor flips, estate trusts or probate, rehab projects, small commercial and mixed use properties. Mike Foley is the co-owner & creative side of Foley Mortgage.
